You aren't supposed to come out ahead with insurance. You are supposed to be covered for the big things you can't pay for on your own. I don't understand why people with deductibles tend not to use their insurance. How are you ever going to meet that deductible if you never use the insurance? Oh and its a huge nono to buy meds for cash outside of the insurance plan if the pharmacy knows you have med coverage. If you meet a coverage limit its different.