Part of the point of insurance is to offset risk. He says that he doesn’t have insurance for himself. While he is probably fine, he is taking the gamble that he

Part of the point of insurance is to offset risk. He says that he doesn’t have insurance for himself. While he is probably fine, he is taking the gamble that he will not require any expensive procedures. Depending on your risk tolerance, it could pay off for people to do this... But it’s certainly not for everyone.