this post was submitted on 12 Sep 2023
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I didn't say that. Ignoring tax benefits, it's better not to have insurance "9 years out of 10". The tax benefits (employer insurance is paid is pre-tax) changes the equation a lot.
Admittedly, it also matters about what your doctors charge, and what your medical conditions are.
Heaven forbid, if you have a major critical event that puts you in the hospital for a month or two (happened to a friend this year), then insurance is the only way to maybe not be bankrupt, assuming they even treat you at all (past keeping you from coding) knowing you won't pay.