Yes, health insurance is the ONE insurance it’s worth going in to debt, to pay for.

Insurance of all kinds is a gamble. You are trying to protect yourself from a “bad” event. Often when that bad event happens the Insurance Companies do their best not to offset your loss by denying your claim on a technicality. This is true of all Insurance of all kinds. Blue Sheild of California has just lost a court battle for canceling policies on technicalities as soon as a policy holder needed the coverage to cover an illness or injury. They must reinstate thousands of such policies and reimburse those clinents for their out of pocket expenses. But while they battled it out in court how many of those policy holders lost EVERYTHING because they did not have the money to pay those medical bills they thought they were protected form? How many died because their incomes could not cover expensive treatments?