Why you think medical insurance is getting way too expensive?
Medical insurance is so expensive because it covers every little thing rather than catastrophic medical events.
Can you imagine what your car insurance woud cost if it covered oil changes, tune ups, tire rotations, transmission adjustments, car washes, etc., etc., etc., rather than just accidents and injuries? Your auto insurance would cost as much, or more than your health insurance.
I have used a medical savings account for quite some time now and I pay a couple of hundred dollars per year for catastrophic coverage for my wife and I and I self insure myself for routine care. The result has been that my medical account has grown by 10's of thousands of dollars that I would have been spending on insurance that cost me whether I used it or not.