Do you understand the concept of insurance? Spreading risk? Seriously, insurance is what kept all those people in Santa Barbara in their huge homes after they got burned down. Insurance protects both the rich and poor (well, not the poor these days, but socialized medicine could protect them).
Are you saving up for when you get cancer? I certainly hope you don't get cancer, but what is your plan? Are you covered?
I am an independent contractor, and the health plans that are available to me just cost too darned much for the coverage they provide. I am rolling the dice, and hoping I don't get a catastrophic illness.