Galt rarely has the need for medical treatment and has never been admitted to a hospital.<quoted text>
LOL. You don't know Galt very well. He doesn't believe he needs anything but the scantiest health insurance policy as he doesn't plan on being sick.
Nevertheless, Galt understands the need for catastrophic insurance to pay for extraordinary medical bills.
However, paying huge premiums each year for prepaid medical care is a bad investment.