“Insurers are very good at knowing when they can deny a claim and patients will grumb

[willtill]

No, I disagree with that statement, it is rather shortsighted, more appropriate would be stay informed and don't get hosed, like most folks do when they are faced with an obstacle that requires effort, but that is just my opinion.

Not getting sick and or not using medical services for preventive care is most likely not an option that we should or could skip, save the few diehards.

Of course you disagree. What I am saying is we should all strive to be in the best of health. That is an option available to all of us. Don't get fat. You must see the forest for the tree's. But maybe out there, all of your forest fires, droughts, mudslides, earthquakes and recent snowy conditions have obliterated them. So I understand. Completely.