I didn't say that.  What I've been saying is that you SHOULD buy catastrophic major medical insurance to cover anything over $10,000 per year, but you should save $3,000-4,000/yr in a Health Savings account (which is deductible).  Most years, you'll have very few expenses to pay out of the HSA, so your funds accumulate.  When you do have that $8365 baby, you have plenty of money in the account to pay for it because you've been planning ahead.  If you want to pop them out every year, you need to save more money, but over the long run, it's much more cost-effective than insurance that covers routine stuff because you're paying for all that unnecessary overhead that comes with insurance, like commissions, claims processing, and the other overhead and profit that the insurance companies make on the routine, affordable stuff.

Over time, you end up putting a lot less money into your HSA than you would have paid for insurance, because you've removed insurance companies from the process.