I agree buying health insurance is a good idea.
The problem is government intervention in the market place that has made health insurance so expensive.
Government intervention in the market place is why emergency rooms treat people that do not pay.
Why do hospitals not have to carry insurance to cover the uninsured ?
The " reality" is that I, like all the rest of us, are ultimately going to die, regardless of the health care we receive.
So the question becomes, do we want to enslave those that are left behind, to simply, & only possibly, postpone the inevitable.