While I admire your principles, it seems that by not getting physicals, you appear to be trading off your health for your principles. It is a choice for you to make but might I suggest that if the insurance/healthcare that you get is too expensive, it might be worth making an annual trip to a suitable country to get the physical done. Alternatively, consider paying a doctor with cash for a pre-negotiated price.

These are unsolicited suggestions on my part but my concern is that by not getting these physicals, which arguably have a significant impact in early detection of preventable diseases such as high cholesterol, you are endangering your life. Just my opinion.