Well, we can resuppose until the cows come home. Bottom line is that everyone’s situation is probably some different.
Certainly one needs to look at all the insurance they carry - auto, home, disability, some self-employed people carry disability insurance that pays if they aren’t able to perform their normal tasks, etc., what’s the cash reserve, how close is the nearest clinic, do you have a personal physician, what is the cost of an office visit, what is the age of the people and what is the extent of the medical intervention they would want - regardless of whether they had insurance or not, what are the resources in the community where you live.
My need for extensive and expensive insurance at my age is significantly less than that of my son who has a young child. No situation is just black and white and no two families are alike, in spite of what Obama and the government think.
My point was a simple one. Many people feel they can just get Obamanationcare when they need it. One may be completely unconscious and unable to sign up for it when one needs it. It may cover pre-existing conditions but certainly not pre-existing bills. One can easily burn through one’s net worth in a few days of hospitalization, emergency care and surgery.
It’s not even clear if auto policies will continue to be able to include bodily injury coverage.