Can someone please help me understand the last paragraph

I copied this from anthem website :

“Example #1: Deductibles, Coinsurance and Out-of-Pocket Maximum

Your health insurance plan has a:

$4,000 deductible 30% coinsurance Out-of-pocket maximum of $5,000 This means:

You must pay $4,000 toward your covered medical costs before your health plan begins to cover costs. After you pay the $4,000 deductible, your health plan covers 70% of the costs, and you pay the other 30%. When you've paid $5,000 out of your pocket toward your medical costs, your plan covers 100% of your costs until your "plan year" renews. Whenever the next plan year begins, your coinsurance and deductible reset. You are once again responsible for the $4,000 deductible and 30% coinsurance for that year.”

We don’t go to the doctor on a regular basis maybe 1-2 year. If i don’t spend or spend just the 4k a year, then we will be paying every month towards an insurance that will never cover any of the expenses?

submitted by /u/jjkakakak
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