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For you. Premiums and deductible options on the open market are different between individuals. A 20 year old is going to pay a good deal less than a 50 year old.

And it's not "my choice." That's mathematically how you evaluate different alternatives. All other things being equal, would you not value a house with a pool higher than one that doesn't?

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As such, we should also admit that this benefit is potentially worth $0 to a healthy person.

I didn't do that calculation on a "for me" basis: I looked at the generally advertised cost. Paying in advance is cheaper for anyone taking out a policy.

For a person covered on a spouse’s better insurance, it’s possibly worth $0. If you’re going to be covered for catastrophic incidents, that’s economically worth more than $0 no matter how healthy you are.

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