I do not think anyone is claiming they are smart for buying or not buying insurance, I certainly am not. The insurance I had was great, I used the heck out of it, and I reviewed over twenty years of medical bill for me, my wife and my son. I looked at what I would have to pay to continue my coverage after I retired, and it did not seem like a good bet. It has been a good bet for five years, but clearly that could change.