But it's not even necissarily for an at-risk lifestyle! All you would need to happen would be for you to be crossing the street when some idiot drunk driver hits you, and you could be flooded with medical bills, and those really add up.

Uh... do you understand how health insurance works at all? Not, like, in a derogatory/elitist way or anything, but... I just want to make sure we both know what we're talking about so it's not confusing and stuff.