$12k is $200/month for 5 years, so if costs of that scale happen less often then that your brother is still saving money. Something more catastrophic could ha

$12k is $200/month for 5 years, so if costs of that scale happen less often then that your brother is still saving money. Something more catastrophic could have happened bankrupting him or nothing could have happened saving him large amounts of money. It's risky to not have at least a catastrophic health insurance, but it is also quite expensive to have it.