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From someone who has experienced virtually every form of bad luck from health problems, be careful with being underinsured. At 35 years old and healthy is one thing, being 50 years old and with the history I have had, I use alot of coverage for followup, and prescriptions for heart failure, cancer, and blood clots. I couldn't even come close to guessing the $$ amount of insured procedures I have had over the years, heck, the out of pocket is bad enough.
Just keep in mind that the $14,000 every year could be gobbled up in one day in ICU after an accident, or other unfortunate occurance.
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