I do all I can do to ensure I have sufficient income to pay my bills plus get a few things extra. That works out pretty well for me. But without medical insurance, all the other plans I make could go straight down the drain. Illness and injury are definitely things we never really plan for, aren't they?
Medical insurance is the exact thing we need if we are working for someone else or working for ourselves because either way, not being able to work and paying high medical bills can cost us more than we can imagine. With insurance, at least we know the medical stuff is fully or partially covered.