Re: who has insurance?
Yes definately, if anything else, you'll get worse medical care if you do come down with some kind of major illness and don't have insurance, and it could mean the difference between life and death. Death is so hugely -EV that even a small chance of it is worth protecting against, it more than makes up for the -EV of the premium.
I didn't have health insurance for a long time, and after a minor health scare decided to buy some. Four months later I was diagnosed with cancer, and I was only 30 at the time. Thankfully I got excellent care, and it is now in remission. Not to mention the $100k+ in medical bills that were covered.
You can get a catastrophic policy as a 20-something really cheap, say with a $2000 deductible or something. Maybe 35-40/mo. That's really all you need.
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