We've talked many times here about the fundamental flaws in the ObamaCare economic model. Chief among them is the fact that it denied people the choice not only of whether to buy health insurance (although that's now been rectified), but also of how much health insurance to buy.
If you don't think it's worth it to pay a higher premium for coverage of all kinds of things you are unlikely to ever use, some left-wing know-it-alls might sit there and call you a fool. But it's your choice, not theirs. At least it should be. You might calculate that you're better off spending less on premiums to focus your coverage on care that is actually relevant to you. That's your call, not the call of some "expert" and certainly not of the government.