Health insurance sucks

Health insurance annoys me. We used to pay a ton of money each month and then have to pay more money when something happens. Isn't that the point of insurance? To pay for things when they happen? When my windshield cracked, my auto insurance paid to have it replaced. I only had to pay like $50 or something. So why isn't it similar for our health? Supposedly a health savings account can help you spend less on premiums, but I don't understand them enough to figure out why. Luckily, my husband got a really awesome job that pays for our health insurance so we're not laying out hundreds of dollars each month for it. Now we actually have the ability to get forward in life. I'm very grateful for that.