[logicalmind]

It depends on your age. When you're in your 20's and single and your employees are also, healthcare isn't usually a huge issue. But when you work for startup(s) during your 20's your body will take a toll from all of the hours of hard work, lack of sleep and bad diet. When that, and the likelihood of having a family, catches up to you, you will find healthcare a necessity.

You may have to pay for recurring prescriptions. The birth of a child, and many other things that will surely become necessities.

[tptacek]

I've had car insurance for many, many years. In the past 10 years, despite paying many thousands and thousands of dollars for it, I've never "needed" it, even though I drive every day.