Without insurance, my wife and my medicines would be close to $2000/mo (using services like GoodRX). That is not even considering the every 3 month lab work bot

Without insurance, my wife and my medicines would be close to $2000/mo (using services like GoodRX). That is not even considering the every 3 month lab work both my wife and I have to get done for managing our chronic disorders, the 1-2 times a year we get actually sick and need a doctor visit, the vaccines we take yearly due since we both have compromise immune systems, the various flare ups of immune disorders. We are both self-employed, so we get our health insurance on HealthCare.gov, so if we let payments laps on our health insurance, we are barred from getting new health insurance for the remainder of the year. Health insurance is not just insuring our health, it is also insuring our ability to be insured. But beyond any of that, our health insurance is a positive return on investment. Our $900/mo = $2500/mo in benefits. So maybe it is true that you don't NEED health insurance... until you do, and then it is too late.