> Health insurance is fine. But it needs to be actual insurance and not a payment plan. Think of it like car or homeowners insurance. It’s there to handle unexpected big ticket things, not routine maintenance.
I think many responsible people see insurance as a good idea, to each their own. I am of the opinion that statistically your better off just taking that same money and putting it into a bank account. Statistically the bank account will reach much higher values than you will ever need to spend on healthcare (assuming you paid the same as an individual as insurance pays, but even if not this tends to be true).
While this can be risky at first (and really you have to get a savings going before you go off health insurance), once you get there and especially if you keep it multi-generational, then there is no need for healthcare, even with big ticket items.