Catastrophic bills. Insurance doesn't make sense for colds, routine checkuos and other cheap and frequent things. It makes sense where you get a rare disease wh

Catastrophic bills. Insurance doesn't make sense for colds, routine checkuos and other cheap and frequent things. It makes sense where you get a rare disease whose medication costs 50k/yr or more. Unfortunately US system is an unhealthy (no pun) mix of both.