Unfortunately health issues and accidents happen, and getting sick or hurt without coverage is more expensive.
For example, the cost of a broken arm is more than $2,500, and if requiring surgery, can be several times that. If a hosptial stay is required, add in another average cost of $7,400.
With insurance, you'll always know what your monthly costs are and be covered if there's an emergency. Research your options to find a plan that best fits within your budget.