Health insurance is a scam. You can tell any provider you're uninsured and paying in cash. You'll get a discount of 60-75%. Prescription drugs are "free" with your copay (typically $100). Meaning you only pay the first $100 of the cost. Great deal right? Except you can go to Costco and get the same drug for $40. The healthcare providers and insurance companies illegally collude to set prices at 3-4 times actual cost. This makes people think they need insurance because everything is so expensive. However insurance companies only pay the actual cost. The fake price is eliminated in what's called an "adjustment" here's a sample bill. https://pic8.co/sh/QGz9WK.png What's an adjustment? Well it just means that was the inflated price that no one is going to pay. You can negotiate the same price, but most American's don't know they can negotiate prices for anything other than cars and houses. I've never had health insurance. Checkups and cleanings cost $50-$100. Which I pay once or twice a year. Dealing with a broken leg or whatever might run me $10k, but I've saved so much over the years of being uninsured I can afford dozens of such issues. If I have an issue which would bankrupt me it's almost certainly going to be fatal and they can't come after your family for medical bills you incurred. The only time medical insurance makes sense is if you are very old or have a known condition. These things, or course, make getting insurance almost impossible.