The saddest thing is that for most of us living in the US, we are only one medical emergency away from bankruptcy/completely ruining our lives if we DON'T carry health insurance. It IS the what-ifs that we all have to carry insurance for. Premiums are costly, but I'll gladly pay - we've had our medical emergency! My son got meningitis a few years back and his 2-week stay in the hospital was around $200,000. I have no idea what we would've done if we didn't have insurance!
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