It makes no sense. One insures for what one cannot covers himself or herself. Regular risk (maintenance) one simply absorbs. That's why the mandatory health in

It makes no sense. One insures for what one cannot covers himself or herself. Regular risk (maintenance) one simply absorbs. That's why the mandatory health insurance especially as defined by ACA is a total garbage - it forces insurance companies to cover regular risk. I only want to carry catastrophic insurance. If I could, I would have had a policy that kicked in at $50,000 and covered to some absurd amount.