Depends on how high they are doesn't it. 99.2% off wealthy people have health insurance to protect their families & their fortunes
On;y a dumbass, like Flack, would put their family health & fortune at risk to save a few bucks on health insurance.
42% of all persnal bankruptcies are due to medical expenses.
The fact that medical expenses are allowed to be written off in bankruptcy is one of the reasons people are willing to gamble on their health. They don't plan on being stuck with the bill.
The people who choose this path don't have any "fortune" to worry about and since their home and retirement accounts are exempt from bankruptcy proceedings they are willing to gamble.
Change bankruptcy laws and they may give their choice a second look.