The plan has some merit but suppose you and your wife are dragged into an ER unconscious following a car accident.”
Just confining my response to this one specific possibility - I have been in auto accidents before and my auto insurance paid as primary, not my medical insurance, and the auto insurance company paid my hospital bill in full. Of course, some people may not have medical coverage included in their auto plan.
Fair point. Let me re-suppose you’re both injured in a non-automotive accent or overcome by an illness.