So tell me, if I can ignore externalities because I can insulate myself from them, is that not also a function of quality of life? Why do you get to write that off?
Again, not sure why you think that. I go in exactly whenever I need it. Cost doesn't play a role. A few doctor visits a year would be like $300 out of pocket per visit since it would be below my deductible. Chump change for my peace of mind (If I even had to pay for such an exam... most of my friends are doctors of various disciplines). If I had a concern, I'd do it.Or, as is more likely, you never have anything you deem sufficiently wrong to make it worth the cost of your deductible outside your annual visit.