Well I happened to fall suddenly into the NOT average catagory. I do think that another posted the correct answer, it's not the insurance that's the scam, but the COST of the healthcare. I think everyone KNOWS that what Doctors offices "charge" insurance companys for procedures and aids is not the same figure that they would charge a person directly. I recently had to have an ankle brace for my right leg. It's plastic with a rubber sole like a shoe, has a cloth material liner that has padding in it and 6 velcro straps to hold it on. They charged my insurance company 600 dollars for this thing!!! I'm only to wear it a month and after 3 and a half weeks my ankle hurts more now than before. Because of what the doctors offices are scamming the insurance industry for, we all get to pay for it now. If you choose to NOT have health insurance, then for god's sake start an account to put money into just incase. Invest the money after a while in some sort of funds that you can liquidate quick in case of an emergency. Bankruptcy laws in many states are changing just because of the number of people that file due to hospital expences.