You DON'T WANT to get your money's worth for what you pay for health insurance.

Last night I had a dinnertime conversation with a lady whose adult son has ankylosing spondylitis.  She had managed to keep him continuously insured, though it wasn't easy.  His insurance (grudgingly) pays for an expensive medicine that will help prevent him from becoming a physical wreck by his late thirties.  The discussion helped me imagine a mind-opening conversation with someone who might complain, "I'm paying a lot in health insurance premiums, and getting almost nothing back."
My reply would start with the title, above.  I'd continue, "If you had a treatable cancer and were on chemotherapy, you'd be getting a great return on your health insurance -- at least in dollar terms.  The same if you had rheumatoid arthritis (or ankylosing spondylitis, a similar disease treated with similar drugs).  The 'payoff' wouldn't be as fast as if you had cancer, but it would go on for years and years.  The same would apply if you develop diabetes."