Wow, you really DO have abnormally good insurance, to only pay a grand in a year.
For anybody else confused by this because you live in a civilized country, let me translate: The standard offering from employers nowadays is called a high deductible health plan. The deductible is the amount you have to pay* for healthcare before your insurance pays anything, and it is typically several thousand dollars.
(* There are a few preventive services that are 100% covered, so if you have no health issues whatsoever you can still get a yearly checkup and a flu shot without paying extra)