While my desire has always been to be self-sufficient, not depending on my parents or government to support me, I'm not so sure my husband could handle huge hospital/doctor bills incurred from necessary operations.
Also, despite the fact that he's always carried medical insurance, he's now forced to pay a hefty price due to a pre-existing condition.
I have to think that you view yourself as beyond these kinds of problems, that you are able to afford, on your own, insurance to cover every possible hospital bill, doctor bill, drug bills, and the costs of insurance to cover any pre-existing conditions you have or may have in the future.
My impression is that you are among the very wealthy in our country or you don't see the whole picture.