<prompt> Human: It would cost 60 a week through my employer. Oh sure, I could afford that, but honestly why throw away 3K a year for coverage I wont use or need? How do I know? Because probability is on my side and why throw away cash for a low probability? And Ive sought medical care before, without insurance, and paid in cash less than premimums would have cost me. For the major and highly rare expenses, you just get on a payment plan and forget about it. Also, even under Obama, I was never fined for not having health insurance, even though I made good enough money. Infuriating to think anyone may have been fined.  <response>: I pay about the same for my health insurance. I thought the same as you, that I was wasting money. Im relatively healthy, only 41.Then last year. October 31. I collapsed at work and stopped breathing. I was taken to the ER where I lost consciousness three more times, with my heart stopping anywhere from 7 to 15 seconds each time. I spent two days in cardiac ICU and had a pacemaker implanted. This little computer in my chest thats about the size of two half dollars stacked together? 10k. Between ambulance, ER, tests, cardiopulmonary ICU, anesthesia, surgery, etc etc, all told: 35k.I owe 1,500, thanks to my insurance.Do not fuck around with your health, or your health insurance. With luck youll never need it. But if you do, youll need it. 