Should I cancel my health care insurance?

I was just enrolled and have til tomorrow to cancel or change plans or else I'm locked in for a year...Basically I was reading the small print and a) I only get 3 visits/year which I didn't know will include dental/vision so between a general exam, dentist visit and eye care visit, that already uses up my 3 vists so if I get sick in the next 3 months I would have to pay my $4500 deductible before my benefits kick in! It's with Blue Shield so if I cancel with them I don't know if I will find other good providers (in CA). There's a catch with each plan they offer. If I choose low deductible, the monthly premium sky-rockets. If I choose a relatively similar cost plan with more visits, it doesn't cover dental or vision. It just sucks, it's like I can't find anything that suits my needs. Any suggestions? Oh and the kicker is that NONE of their plans cover lab/x-ray so if I want my cholesterol or sugar level checked I have to pay 100% out of pocket for any blood work including if I fracture a bone and need an x-ray, unless I have an HMO plan which costs 300% more/month. WTF
--------------------
You should go with a high deductible plan, which has a lower premium and find a supplemental program to cover any catastrophic event. Thats just how health care works these days. My dad sells insurance for Aflac so he knows all about this (he helped me with this question and has been selling insurance for more than 15 years). Just follow this advice and you should be fine. But you MUST HAVE coverage just in case of a catastrophic event. Hope I helped! :DD
Source