The Dictionary's definition of health insurance:
noun
insurance that compensates the insured for expenses or loss incurred for medical reasons, as through illness or hospitalization.
I have another definition of insurance: Good Health!
I believe you pay for your health - one way or another. You either pay for it now, in good health products and activities to prevent sickness, or later when you are sick and trying to get better.
It makes sense to me to spend my money on keeping healthy so that I never need to go through the trauma of sickness and spending large amounts of money on trying to get well! We have chosen to spend the money we would be spending on hospital insurance on our health rather than using the same amount on a hospital insurance "just in case". To do both would be stretching the budget.
My own mother has been in hospital a couple of times - to have children but has maintained excellent health mostly due to apple cider vinegar. She walks regularly, attends a chiropractor, takes a couple of supplements and has a good attitude. She is 84 years old and planning her next trip to England - where she has been working on and off for the past 30 years as a companion help to ailing elderly, some of whom are younger than her!
I take a leaf out of her book and choose to do the same.
An ounce of prevention is worth a pound of cure!