Let's see. I need an operation. I have no insurance. The ambulance takes me to the hospital. The nurse asks for my insurance. I say I have none. She says no problem, use my cell phone. Btw use company XYZ, they pay more than the rest. I leave the hospital. Co. XYZ pays the $100,000 bill . I get my premium monthly bill of $1200. I decide I don't need insurance anymore. I am again uninsured.

Life is good.