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I have Acute Myloid Leukemia.
In the State of Oregon, to treat that with a side trip through "lets get a bone marrow transplant land" it costs $2 million dollars.
I had a doctor state that they don't know what causes Leukemia, but it's not genetic, so there is nothing I could have done to prevent it and my family didn't give it to me.
Are you going to save up $2 million dollars in case you get diagnosed with something that does not have any symptoms? Because I didn't have any. One month I was fine, and the next I couldn't get to from my car to my desk at work without stopping somewhere along the way to rest.
To a certain degree, I see your point about paying for something that you are not really using. It sucks. But if you need it, it is really nice that you already have it.
There is a reason why some people literally go bankrupt with medical bills. Even with insurance, it can still get pretty costly.