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[–] facepaint ago 

Insurance isn't a scam. People use it wrongly. You need insurance for the situations you cannot afford to cover if they occur.

For instance, on my car, I have a high deductible. I only really need to worry about liability for injury to my passengers or totaling other cars. Or people in other cars. I could buy another car outright if I needed to. When I was younger and poorer, I could not afford $2,000 of damage to my car easily, so I had a lower deductible.

Health Insurance? High deductible HSA. Insurance should not be covering cheap regularly used items such as a yearly health check up. Or out of patent medications. Need regular insulin shots & test strips? Insurance becomes a middleman who undoubtedly makes it all more expensive.