Choice : pay, pay, pay ...year after year . hoping to avoid the stress, pain and suffering from a "major issue" .
Then: pay, raised premiums , pay , raised premiums
Then: the moment finally comes. you are injured or disabled or very ill .
You make your claim , and are in a very ill state .
https://www.pbs.org/newshour/health/analysis-health-insurance-claim-denials-are-on-the-rise-to-the-detriment-of-patients
Not for me , thanks.