<prompt> Human: Im a young healthy man who never needs to go to the doctor. As far as I understand, if anything happens, insurance companies must cover me and for the same price. Now that the IRS is no longer enforcing the penalty for not having insurance, whats the reason for having insurance? Couldnt I just as easily pocket the 100 a month and just buy insurance when I need it?  <response>: As far as I understand, if anything happens, insurance companies must cover me and for the same price.You dont understand it correctly.Now that the IRS is no longer enforcing the penalty for not having insuranceYou dont understand it correctly. 