Yes, it is a calculated risk, and that depends heavily upon one's prior medical history, and life style.
Our biggest risk is accident, and the highest risk there is auto...and that is covered by vehicle policies.
It also helps that Medicare is coming up in a few years; but any private general health/medical policy would expire then anyway.
Plan "A" was military retirement with full benefits; early onset, non-service connected asthma ended that, so it has been other alternatives ever since.
Oh, and don't forget to subtract savings on unpurchased insurance premiums, plus interest earned, to arrive at net cost of uninsured care.
Thank you! I always appreciate your advice. :)
In reality, if something 'medically tragic' happens to me, I can draw upon my military medical benfits as a vet. I am leaning more and more towards keeping husband insured and dropping myself from the policy. I'm easier to re-insure than he is if it comes down to it.
Genetically, I'm clean, too. My parents are in their 70's and neither is on any prescription medication, which is rare. Little cancer in our family, no problems with cholesterol, and only one massive heart attack amongst hundreds of relatives. Most everyone lives to be an old f@rt in my family. My Great Aunts are all in their 90's and living on their own having outlived their husbands by decades. :)
Last physical I had, my doctor said she's never seen anyone healthier for my age (46) here in Cow Town. And she knows the skinny on everyone, LOL! I owe it all to Clean Country Livin' and a Conservative Attitude! :)