We were minding our own business, talking about our startup activities, crossing on the green, and some idiot ran the light and hit us. Neither of us saw it coming, and it hurt really, really bad. ER bills were big, I'm glad I had insurance.
Two weeks ago I was walking to work and saw a guy collapse against a building. I called the emergency number and tried to help him, along with several others, but the guy was completely out, he died right there. I wish I could say differently, but that's what happened. He wasn't particularly old, either.
Ready or not, you might as well have health insurance.