<human>: As stated in the title, I am a young, single, dependant free male. I am not overweight, I don't smoke, I don't do drugs, I rarely drink, I dont take any medication, I don't have any chronic pain, I don't have any known conditions or diseases, I am not sexually active (thereby significantly decreasing the chances for STDs), and I live a relatively "risk free" life.

I rarely have a need to go to the doctor. I take care of my oral hygeine (though I suppose I could do better), and my vision, as far as I know, is fine.

I understand the benefit of insurance in case of catastrophic injury, but the deductible itself (for a cheap premium) would be more than I could afford anyway, and I'm simply not willing to pay a roughly $100+/mo premium for something I will rarely use.

Despite all that, I have a few minor things I need to take care of in the near future, but they aren't life threatening. 

What are my options?

How cost effective are clinics and paying straight out of pocket for a simple dentist checkup? One of the things I need to get taken care of is a buildup of wax in my ear. Gross, I know, and I know there are over the counter, do it yourself alternatives (some sort of solution one drop's in their ears), but the results I got when I had to do this in the past (at Kaiser) were worth it.

I'd appreciate the opinion of those who were or are in my position, or the knowledge of those in the medical insurance industry.

Can you provide a brief overview of the text?
<bot>: Young, healthy male is not willing to pay for premiums (or deductibles) for services he will rarely use. Wat do?