What this person means is that IF YOU OVERDO IT YOU WILL SHIT YOUR BRAINS OUT AND IT WILL BE AN EMERGENCY.

The issue is that health insurance shouldn’t be tied to employment. This could very well be a payment plan for a much larger bill, so op is probably paying off $200 a month over a year or more.

Not everyone is so blessed to have a low deductible plan. Most people have high deductible plans. Having a deductible of $6k or more is as good as being uninsured. Most people can not deal with paying $6k for an emergency - it can zero out folks bank accounts or be a hamper on their month to month budget.