[obsidian]

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Poker players don't make enough not to have insurance.

Myself for example a picture of health at 18 into sports etc etc. Come down with a sudden illness while on summer vacation. End up having emergency surgery and spending 10 days in hospital and am currently on meds which would set me back roughly 36K a year

Going to the Pharmacy every 2 months to go get your meds and seeing a bill which says :
Total Cost 6,000.00
Paitent pays 0.00

It's kind of -EV one shouldn't be living without.

I equate health insurance to insuring 20 against a ace in BJ. Except that the entire table pitches in the money to insure your 20 rather then you paying yourself. so overall it is negative EV except when its your 20 then its EV+ as the table is paying for the majority of it.

[/ QUOTE ]
I understand that this can happen to anyone, but if it did then the health insurance companies would increase the cost or go bankrupt. This is simply an EV decision and health insurance is far from +EV. However, being totally ruined from a health problem is what you really need to prevent here and something that would cover all $10000+ problems sounds like the best idea.