Well... hmm. Getting health care... is sort of like making a bet with the insurance company. (It is the metaphor my parents used when I first asked about it when I was younger... but hey, it works!) They're betting that you won't ever get sick, or hurt. You're betting that you are. Thing is, it's a bet that you know you're going to win- it's why you have to pay to get in on it. But when you win that bet, and you do get sick or hurt or whatever, the insurance company has to pay up, and they pay up plenty- they're supposed to cover most to all of your medical expenses, which is a lot. So basically... when you're getting health insurance, it's a way for you to make sure, even as you're paying them a bill now, you won't get slammed with massive (it could go up into the millions of dollars!!) medical bills later. I hope that explained it...?

But it's not just freak accidents- that's only the one example I gave. Health insurance covers... everything medical, really. Broken bones. Sicknesses- cancer, for example, or any other kind of illness. Doctor's checkups. Medications to help you concentrate/cure that stomachache/deal with severe allergies. Your glasses. When you get a little older, if you choose to have kids, if they have ADD or some other similar thing. All of this stuff is covered by health insurance, and it makes your life significantly easier to deal with, and easier to pay for. Even if this doesn't affect you right now, it will soon. Especially when we get older, we will inevitably develop some condition that's gonna need treatment, and if we don't have insurance, that turns into a real problem- with insurance, we don't have to worry. That help?