That's all good, until you have a catastrophic need to pay bills.
It would take 2 years of saving premiums just to pay for chemo treatments, and the accompanying blood tests, administration of the chemo, and chest x-rays.
In the case of an amputation, it would take 1, 2, possibly 3 years of saving monthly premiums for just the procedure alone, let alone any after care.
Been there, done that. Even with Amicar administered prior to Taylor's amputation, he still had a tremendous amount of bruising and edema which required a 6 night stay in the hospital, staying on IV's to keep flushing his kidneys to remove the risk of permanent, irreversible damage to his kidneys. He was peeing dark red for many days, while his body tried to absorb all the fluid from the internal bleeding. That stay in the hospital was discounted to $4200.00.