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I think you just made your case for why a healthy family of 5 (parents in 30s) would take their chances rather than buy insurance. At $700 per month, plus a likely $1000 deductible and $25 co-pay, they'd need to spend about $9,500+ out of pocket every year before seeing any benefit to purchasing your insurance.
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Did you pay for car insurance last year? How much was your annual premium?
Did you have a car accident last year?
No?
Was that $$ all wasted, then?
What about the year before that?
How many years have you been paying for car insurance, with no wrecks?
Is all that $$ wasted?
I find it amazing that people are willing to pay for car insurance for 'just in case' so they'll have some cash to replace their vehicle, which is, for the average person, maybe $15-25k (not quite enough to cause bankruptcy, for most people), but they are not willing to pay for health insurance for 'just in case' when catastrophic accidents or illnesses can sometimes run in the hundreds of thousands of dollars, being the #1 cause of bankruptcy in this country.
Your question displays the mentality that one is supposed to 'gain' from health insurance - come out ahead. But, in actuality, health insurance was designed to operate much like car insurance - like any insurance - protect against a catastrophic incident that could be devastating financially.
It's only because insurance companies have 'sweetened the deal' by covering x # of doc visits, etc. that has perpetuated the myth that the purpose of health insurance is to pay your petty little doc bills for flu shots, annual checkups, etc.
Those little doc visits might be an inconvenience but they don't cause one to go bankrupt.
My company offers a catastrophic-only option for those who would prefer to take their chances on the little stuff but not be devastated on the big stuff.
The premiums are usually about less than half that of a full-blown plan, with very low (or no) deductibles.
I don't sell it very often; most people want the full-blown plan. They're usually willing to pay more, much more, so they don't have to hassle with a $100 doc visit.
But, people do have choices.