Too Many Opinions About Health Insurance

A couple weeks ago, I walked into the doctor's office.  I presented my insurance card and started filling out all the paperwork.  The girl behind the desk ran my insurance card and said "What?!!  You only get 3 office visits per year and then you have to pay your deductible?"  I said "Yes, but I pay about 65 bucks a month vs. the $235 a month I could be paying for the "Cadillac" plan.  Plus, this is the first time in 10 years I've been to the doctor for anything other than a physical and those are covered under my plan as well.  So let's see...$235-$65 = $170/month I'm saving.  Over 10 years that comes to $20,400.  And the worst that can happen is I end up in the hospital, at which point, my maximum out of pocket cost is 5 grand.  Yeah, I think I'll just pay my $30 copay today and keep my "right-sized" health insurance.  Now, if I had a family with children, I may consider a little bit richer plan.
I guess my point is that taking insurance advice from the desk clerk is a little like getting financial advice at a backyard barbeque.  Everyone has an opinion (often valid) but, you've got to make sure that your plans align with your goals and that you've got a professional who's got your back.