Except accidents happen. Unless they have a crystal ball and can tell you whether or not you will be involved in an accident leading to serious injury (and the

Except accidents happen. Unless they have a crystal ball and can tell you whether or not you will be involved in an accident leading to serious injury (and the nature of those injuries) then you still need health insurance. I know a guy who was robbed and shot. Had to have surgery and spent a few weeks in the hospital. I have a neighbor that was jogging, tripped over a bump in the sidewalk and broke his arm. Few weeks in a cast. I know plenty of blue collar workers who had on the job injuries that required medical treatment. Your DNA isn't going to help with that. And in America, a simple 4 hour visit to the ER can result in a multi-thousand dollar bill. And if you're unfortunate enough to need a surgery and a multi-week stay then we're talking 5 figures minimum.