I'm mid 30's, only got company health insurance as of two years ago because I had mostly been working in independent restaurants and they don't offer that.  Hadn't had a physical in over ten years. Had two in the past two years.  "Welp, you're pretty much healthy, your HDL is slightly elevated but that's not really a concern since you are not obese.  Also your liver is fine because we checked it because you told us how much you are drinking but you should drink less." This cost me probably 3000$ in money taken out of my check in two years.  Which isn't even a lot.  But still a lot for what I got out of it.