[grinin]

You can probably afford to break your arm for a couple thousand (as long as it is not the one you use with your mouse). Its the: shatter a few bones while skiing, needing pins to hold you together and lots of physical therapy; or contract some rare illness that ends up having you hospitalized for more than a week that will simply break you.

As someone mentioned you at least need major medical.

Besides why should all the rest of us have to pay extra when some cheap ass poker player decides he should have a good time with that $300 per month rather than pay for insurance.