> I am paying nearly 20k a year for possible emergencies? Kind of, yes. The vast majority of healthcare spending is, unsurprisingly, on very sick people. Ins

> I am paying nearly 20k a year for possible emergencies? Kind of, yes. The vast majority of healthcare spending is, unsurprisingly, on very sick people. Insurance is for the outlier cost. The difference from other insurances is that almost everyone faces that outlier cost eventually in their lives, assuming they don't get hit by a bus in their 20s.