not a fan of insurance
instead, I used those funds investing instead.
whatever minimal insurance work gives, an additional 7 bucks a paycheck is all I have.
I have a high deductible health insurance using the same logic, funneling the money into an HSA. What I found as I suspected, after several years, instead of spending on "insurance", I stuffed it in the health savings instead, and while using the health expenditures as needed across five kids, I was still able to amass a small savings of 20K+ as the deductible/savings money that I own, rather than some filthy vampire insurance agency.
you are welcome to try that experiment with health insurance. Find the difference in price of the cheapest high deductible plan, with a normal plan you get with deductible, with that savings, direct deposit directly into a health savings and see over the long term who wins out. Giving that money away to the industry or keeping it yourself?