I'm not buying the "don't need" philsophy. You don't know that you won't be stuck by a bus tomorrow, and end up needing catastophic care for an extended period of time. Without insurance prior to the accident, who pays for the millions of dollars in medical care? We all do. The medical industry has to raise costs to cover the care that never gets paid for.
I personally know a woman who thought she did not need insurance, either, because she was young and had never had ill health. She ended up with $200,000 in bills for catastophic care when she was diagnosed with breast cancer.
My nephew has a friend that, at the age of 27, suffered an accident that required him to receive long term care. He has been in a convalescent home, under 24 hour nursing care, for the last 15 years. Imagine the cost of that.
These are situations that occur on a daily basis in this country, and situations that we are all paying for because people think they "don't need insurance."
