[{aspiring_to_clarity}]

I don't have health insurance at the moment. I am healthy for the most part. A little while back I was having a lot of nausea and went to a clinic to get checked out. I paid the $320 or so out of pocket from my savings. If I were to get in a car accident, I have full coverage on my car which also covers medical. If I am walking down the street and someone runs over me, I think the ball is pretty much in their court. If I were to have some other kind of accident (like falling off a ladder at home or something) and couldn't pay the full emergency room bill, I would negotiate a payment plan with the hospital and pay it in full.

I don't see a benefit to me of having health insurance right now. It's something like $400 per month (after half being paid by my employer). I would do better to just put that much per month in savings (or one of those HSAs).

I have often thought of moving to a country that knows what they are doing, but so far I am still in the US.