I am semi-retired, which I think means I don't earn much. No, insurance. Years ago, I had a policy with a 10K deductable. Things were tight so I dropped it. I probably could not get insurance on my own. I have what seems like enough saved to generate an income to live on but it isn't enough to "Live ON" if I got some terrible illness. So, my options would be to lose all in order to keep breathing or to exit with something still in my pocket. I probably should not have answered this!! I have never discussed this with anyone not even family. I doubt that I am alone. I am sure there are plenty of people in the same boat. I like doctors but I don't think they are worth 500 times an hour than a skilled craftsman, carpenter, machinist, etc. Thinking this won't prove anything! Except I would be dead with my money intact. Who said life is fair?