While health insurance is technically “insurance”, it’s not the same thing as car insurance or homeowner’s insurance. Most people’s houses don’t burn down or even get burglarized, and not everyone gets into car crashes. But everyone needs health care. It’s not a question of if you will have health care expenses, just when. So health insurance isn’t about covering an expense that may or may not happen, it’s more about spreading the cost of a lifetime of health care over a lifetime.