[Guthrie]

If you're young, single, healthy, and never go to a doctor, buy major medical with a very big deductible and play the odds on the small stuff. One night in a hospital can easily be 30K. The big stuff can bankrupt you. These days it may well bankrupt you even if you do have health insurance.

None of it really matters anyway. Within five years there will be no more employer-paid health insurance, and within ten years the health care industry will have bankrupted the entire country with their obscene prices.