[stephengillie]

For people without serious pre-existing conditions, health insurance is nothing but an extra cost. The insurance industry depends on the healthy to subsidize the sick.

For healthy people, it's usually cheaper to pay your doctor dentist and other specialists in cash...well, if you are healthy, you don't usually need to see any specialists.

[bhickey]

The conversion from being a healthy person to a sick person is by and large a random phenomenon. You buy insurance because you have a non-linear utility function. Assuming that you'll be a healthy person is like going all in on a p=0.99 bet repeatedly and then acting surprised when you go bust.

[DanBC]

Healthy people get hit by cars too.