### Comment:
It's more like health insurance you can buy once you start caughing. maybe it's just a cold and you dont actually need to go to a dr, maybe it's pneumonia and insurance is necessary. He thinks his employment is at risk due to potential market downturn, market downturns dont last more than a year-ish.

### REPLY:
And while feeling smug you get hit by a bus and have to pay for an extended hospital stay and multiple surgeries out of pocket.

### END.