I read a lot of financial books -- by Suze Orman, Dave Ramsey, David Bach, etc. Their general consensus is that you are better off putting aside a little bit each month and then you'll have the money to pay for routine care and whatever illnesses/surgeries/etc. come along. You'll also be earning a tiny bit of interest on the money. And whatever you end up not spending you'll be able to keep.

For example, if premiums are $42 a month, you'd have more than $4,500 saved by now, minus whatever you took from the account to pay for routine care.

Just offering an opposing view. You have to decide what is right for you.