I'd rather be safe than sorry. You never know what's just around the corner. In '01 and '06, two separate members of my immediately family suffered 1) a life threatening disease and 2) a life threatening accident, both of which were thankfully covered by our major medical insurance to the tune of about $100,000 each. Neither of these was caused by an unhealthy lifestyle. It's very easy to look down your nose at the health care system in this country and at people who are ill or injured when you're healthy, but no one is invulnerable to health problems. I was glad that 1) the quality of care both of my family members received was excellent to the point that both made full recoveries and 2) insurance paid for that care. It's up to each individual to evaluate their insurance needs and have an appropriate amount of savings/coverage. I couldn't sleep at night if I didn't. |