Your chances of incurring huge costs are relatively low and you’re saving tens of thousands of dollars by not paying to benefit others. Is this actually true t

Your chances of incurring huge costs are relatively low and you’re saving tens of thousands of dollars by not paying to benefit others. Is this actually true though? It seems that the chance of encountering huge expenses are non-negligible, and that you wouldn’t actually save any appreciable amount of money. Also if you need to get a specific treatment you don’t need to go through a government bureaucracy, you just pay for the treatment or insurance might cover part of it. Using the UK as an example, obtaining necessary treatment involves no “government bureaucracy”. It just involves that treatment being deemed medically necessary and then provided. No messing around with insurance and hospital billing departments. Of course, you are still free to pay private providers for services, or indeed to take out private medical insurance.