In the last 18 months we have had 2 broken arms requiring going under gen anesthesia to set one of them ( he fell off a scooter and put his arms out to break his fall and broke both arms), 1 possible broken arm, a broken nose that required gen anesthesia to set, DD with unexplained fainting that resulted in a CAT scan, ekg, Xrays and various other test, gallbladder surgery and with that 2 MRI's, a nuclear scan and various other testing, a hosital stay related to this after the fact, another MRI due to nerve pain, one with seizures suddenly that required an ER trip with CAT scan, MRI, 2 eegs and various other test. Umm no way would I willingly give up insurance because you just don't know. We were very healthy people and rarely went to the doctors.