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I'd imagine that would work, if you only encountered run of the mill health problems. Antibiotics, inhalors, maybe even a bone reset after a break. But if you end up in a hospital bed for a few nights, or you have a sudden and unexpected need for chemotherapy and the like, I expect it would get cripplingly expensive quite fast.
It'd be a gamble. But then I guess that's the point of an insurance system in the first place. The insurance companies gamble that you will never need more treatment than would fall under the copay limit. And you gamble that you might just need a hospital stay at some point.
So, as long as you don't get seriously ill or have an accident requiring a complex medical response, it might well be more cost effective to pay the fine and be uninsured.
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