You may have a low risk profile and good health, but if you ever need medical care you'll be spending less money on it if you have insurance. Theoretically insurance companies operate by charging you a rate around (or slightly higher than, to buffer for business overhead and risk) your expected cost. Unfortunately in America, insurance is an unusually "good deal" for consumers because it gives you access to the insurance company's price leveraging. Meaning, the bottom line cost of the procedure (at "insurance rate") will be significantly discounted from what you'd pay with cash. Thus, companies grant insurance based on the rates they pay.

Here's a more thorough explanation.

https://alecstapp.wordpress.com/2013/06/13/should-bill-gates...