More times than I like to think about I have been in pharmacies and seen them charge one price for an item to a person with insurance, and a different (and higher) price for the same item to a person without insurance. No insurance, you're gonna pay more. If you rarely if ever have to use prescription drugs you MIGHT save money by not paying insurance premiums, but one good illness or injury and I fear that you will be broke in no time. I just had eye surgery. The bill for the gas passer alone was over $700, discounted (thanks to my Blue Cross) to a little over $300, my out of pocket cost, $34...