Amen! I’ve been paying cash for years. I only go to doctors when I have to and thank God that’s not very often. I take no daily meds, try to eat healthy and exercise. I’m 57.
Well it is a good idea to save money for a rainy day no matter what form that rain might take. It is something of a great misfortune that The government only makes more difficult such generalized savings.
There are two reasons why Government and/or liberals favors 3rd(or 2nd) party management of such costs and thus makes more difficult personal responsibility.
1: There is a great element of social & political control you can weld over a population once you control their savings, and health insurance like any other form of insurance is very much like a savings plan to which they can petulant attach an ever growing list of strings & costs.
2: A lot of people particular liberals are not responsible, and tend to put themselves in a runt, so Liberals classically want to take from someone else who invariably was prudent to bail them out, and theses people either out of desperation or simple greed gladly sell their vote to support such thief. The ironic end result is you savings & personal responsibility becomes all the more difficult and you end up with more people living in the government dependent rut.
People at your age have been living with this problem all your lives, if you have managed to save for a rainy day you have done so in-spite of the government.