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You are talking about doctor visits, those aren't too expensive. What do middle class or poor people do when they have to go to the hospital/ emergency room?You're rich and if need to see the doctor, you pay the office bill out of your bank account. At certain places, Doctors charge less for office visits to patients without insurance. Plus when you consider the insurance Co-Pay amount, it could sometimes be cheaper to just say you don't have insurance. Also why pay for insurance for an entire year when you only go to the Dr once a year if that?
Some religious people don't believe in Western medicine and rather sought prayer/meditation/natural resources to treat their illnesses.
Those bills can be extremely expensive, what do they do then when they need to pay 10K+ out of pocket ?
You pay for insurance for just incase something does happen.
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