Well it's called insurance for a reason. For a healthy person under 40 or so, you're paying to insure against rare events that would be very expensive. What if

Well it's called insurance for a reason. For a healthy person under 40 or so, you're paying to insure against rare events that would be very expensive. What if you get cancer, or a serious bone fracture requiring steel implants or leg braces, or any number of other serious conditions? Insuring against rare but disastrous financial burdens is the whole point at that level.