The thing to watch out for is that one can easily be *mistaken* about their ability to pay for certain things out-of-pocket. For example, I had been under the impression that appendectomies were relatively inexpensive surgeries that a reasonably well-off person could pay for fairly easily, and so during the years that I was uninsured, I thought that I'd probably be able to cover a short hospital stay in a pinch. But when I had my appendix out a couple of years ago, I looked at the bills to see what it cost my insurance company. Turns out it was about $20,000, which would have been - pretty bad for me to pay out of pocket.

Maybe it should be reworded as, "Get insurance, you schmuck, medical care costs way more than you likely expect that it will. Get a high-deductable plan if you want, but if you don't have *something* then even a minor medical emergency is likely to ruin you."

Another thing: there should be an arrow for, "are insurers refusing to sell you insurance?" Because that was why I didn't have insurance for some years. When I tried to buy high-deductable major-medical insurance as an individual, they turned me down flat because I had borderline-high blood pressure (and *no other medical problems*). I couldn't get insured because of that until I got insurance through my employer.