Require health insurance assistance

[DonkeyKongSr]

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It's a simple EV calculation. Since you *needed* the insurance, you qualify as one of the "sickly" in the other poster's definition. In any case, aren't you going to work 18.5 years anyway? If you end up working 25 years without another expensive incident, you'll be behind again.

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The whole point is I had no idea I'd need any insurance for anything, but something suddenly came up. The same thing happens with "healthy" people all the time (like cancer), especially as you get older. Plus, everyone is constantly running the risk of hurting themselves via car accident, random household accident, etc.

Also, if could get to 55 without needing any medical attention, I would be probably in like the top 5% of healthiest people on the planet.