My experience is only what i read here on this forum . The main thing i have seen is that almost everyone ( some exceptions) posts that their premium keeps going up ( a lot) , even they have no claims.
Then there are the stories ( agonies) of those fighting with the companies (stressful) to get their claim paid for .
Then there are guys like me. I have always saved through the years ( and i did NOT make big big bucks) ..... knowing that some day i would get old . I have also taken care of my health as best i can , though of course i have some issues. I pay for those myself , and if i ever have a "major" issue my savings over the years, not giving it to insurance "providers" , is in the bank where i can get to it .
And the funniest part is ............ they either wouldn't cover me now (over 70), or if they did the cost would be huge, as well as the things they would not cover .
Self insure..... it worked for me . Or, gamble that your company will "just say no "