[syshum]

illness or injury yes, as that would prevent me from working, and earning the money I do today

Medical costs however would not the cause of my problems as even in the worst case I would be protected by bankruptcy laws would would allow me to discharge my medical debt while keeping my primary home, and a significant chunk of my personal possessions.

[JaimeThompson]

Not if you are injured or dead because you couldn't afford the medical care necessary to fix you / cure you / treat you on an on going basis.