Because you don't have enough to pay the very rare huge bill and insurance to cover that huge bill only would cost far less than you think. The price that you quote is for fully prepaid medical care, which is what the left is requiring under Obamacare.<quoted text>That's what my mattress is for.........among other things...
Seriously, why should I pay $200,000 over 10 years, for 'insurance' which will fight me tooth and nail over paying for my medical needs when I try to use it?
I'm a conservative, dammit. I have a savings account, and if that doesn't cover my 'catastrophic care', I'm going to die. That's how life works.
Check it out.