Health Insurance

We were talking about insurance last night. For 3 of us, it is $750 per month for an HMO (in my opinion, HMO is legalized genocide).

So why have insurance? Why not open an account (savings, IRA, whatever) and put money aside for visits to the doctor?

The only downside is if something happens like your appendix bursts, then it will be expensive.

But really, $750 a month? And with the likely risk that the insurance company will deny your claim for any reason they see fit. Would it not be better to abuse a credit card in an emergency and see a real doctor than pay an insurance company?