If I bought insurance I’d be paying way more than I pay out of pocket for my routine healthcare because I’d never meet the deductable, and being insured , the visit would be priced higher. I pay a cash price that is lower . If some catastrophic injury occurred, I couldn’t afford it insured or not so fuck it. I also live accordingly , I think we all do consciously or unconsciously, live with a certain amount of fear of financial ruin due to sickness or injury. Instead if eating the rich, they are apparently eating us.