hmmm ... thats a mighty big gamble. what if you crash and break your collar bone, and need surgery? if you get cancer, not only will you have enormous bills but you might not be able to get the best care available without a means to pay. what if you throw a kidney stone? stroke? aneurism? you could move to Canada, but the Canadians come here to the US for care because the lines are too long. years long. the chances that you will incur some major medical bills are about 100%