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Originally Posted by host
My wife and I are fully insured, and a sudden medical crisis still sucks a bunch. There is no incentive for anyone without major home equity ($50k or more) or other major assets to protect, to pay appreciable costs for out of pocket health insurance coverage, today.
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While I am in the quite unusual position of agreeing with you on almost everything in your post, I would like to point out that a person should buy medical insurance if they ever WANT to own a home sometime down the road.
You sure won't buy your first home with a lousy credit score, or if you do, you'll have a very unattractive interest rate.