<prompt> Human: I pay 510 in for health insurance a twice a month. Budgeted. If my wife doesnt work over time we make 6 dollars less than we need for the very basic bills. My car needs to be fixed and I have not been able to pay on the credit card ion 3 months. Wife says we should get rid of the health insurance. We could cover all our bills and then some. Our savings would go up. Should we? we have 2 young kids. I am telling her that if one or both get hurt or sick we will just be paying the hospital on a payment plan instead of my insurance. But she seems intent.I dont know how how to tell her that the insurance is better than the cash we will have not having the insurance. In her mind paying the hospital on a payment plan will be better than paying the insurance. We pay so high for insurance that we probably would pay the hospital less for a broken bone than we would pay insurance. I think our relative good health has lulled her into a false sense of security. But I dont know how to tell her.Any Advice?  <response>: Your title says life insurance but your post is about health insurance. They are completely different things. 