[jackmaney]

Oh, and another thing:

> The only thing I would really need medical insurance for is a rare emergency procedure like an appendectomy.

If you need an appendectomy, then you do not have time to fiddle around and comparison shop for medical insurance. If an appendix needs to come out, then it needs to come out ASAP (otherwise, the appendix could burst, causing sepsis). And there's no insurance provider on the planet that will take on a new customer and cover a procedure done before the customer's policy goes into effect.

Let me guess: you also think car insurance is a sham, and that you shouldn't be required to have it. And if, heaven forfend, you get into a car accident, you can just call up State Farm (or whoever) and get them to retroactively approve a claim for the accident. Am I right?

Sorry, my eyes can only roll so much...