> Yeah! It's like golf!
Yes, and par would be like needing a doctor about once every three months. Keep it less frequent than that, and you're winning the game.
A friend of mine without insurance skateboards at a skate park. And I'm like "dude, that's pretty risky for not having insurance."
He explained the math to me, as long as he doesn't break a bone or need stitches more than once every few months, then not paying for insurance saves him money even if he has to pay $300-500 out of pocket at a walk-in clinic.
For young people in America, it seems that the only time that insurance isn't a net negative is when: 1) you have a chronic illness that requires regular treatments, 2) you have been diagnosed with cancer, and 3) pregnancy.
