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Originally Posted by SamIam
Cancer, heart disease, crippling accidents, and all the others ills that human flesh is heir to.
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Well, no, it's not the cancer, because that gets diagnosed first, and then treatment takes awhile--plenty of time to buy insurance and get the treatment covered. But a sudden heart attack: that rush to the ER and immediate bypass surgery isn't going to be covered. The crippling car accident, that surgery isn't going to be covered. There are plenty of terrible things that can happen that aren't cured over the long term, but rather incur giant costs right then and there.
Of course, the reality is we will still treat the uninsured who show up at the ER, even if they haven't paid their yearly penalties. So as long as your brother is cool with having to declare bankruptcy after the fact if he does need an emergency procedure, then yes, his logic makes sense for his situation.