How can you be comfortable if you don’t even have health insurance. Seems like an oxymoron to me.
When you are young it seems like you don't need it. Usually there comes a time though where you realize you should have it.
In America, healthcare (insurance and out-of-pocket) can be a major contributor to cost of living for anyone with anything more than the occasional cold. It's especially bad for self-employed people like the Adams.
You seem to be in agreement.
That seems to be an uniquely American approach to the situation ...