he didn't mention anything about the morals of it. Just that your plan is likely to backfire.
99% of what I own is the knowledge and skill I've gained over the years, and that can't be taken in BK.
If my net worth were greater than $50,000, or if I had a wife and children to protect, I would have to buy health insurance.
Realistically, if I thought I were about to get sick, I'd get on a health insurance plan as easily as I could. It'd be easier to bribe a doctor sufficient to hide a pre-X (post-date the intake forms) than to pull off bankruptcy fraud.
I doubt you'd even have to worry about it then. Chances are good you'd be able to keep most (if not all) of your stuff.
(Insert standard IANAL disclaimers here)
I think this, more than that we're healthier, is one of the reasons people in their 20s opt out. Health insurance is useful in the semi-bad cases (e.g. a $25,000 one-off expenditure) but has plenty of mechanisms (life caps, rescissions) that enable it to abandon you anyway in event of catastrophe. We (young people) are as vulnerable as anyone else to catastrophes-- and if health insurance was any good during those, I might consider buying a plan-- but the mid-sized stuff rolls off of us because we're young and don't have much (materially) to lose. So why buy health insurance? I know my chance of preventable death is slightly higher, but not monstrously so.