Insurance is like anything else, you usually don't need it, until the day you don't have it and then you REALLY NEED it...
I'm paying for life insurance atm, and every month I think, really...do we need this much coverage...and then I think of the horrible reality of what a SAHM with three kids would do if suddenly our income vanished....
The policy we have would definitely NOT 'take care of us' forever, but it would help during any 'transition period' I would have to go therough (ie, me getting a job again, selling the house and downscaling to something I could afford on my own, if DH was gone...)
We rarely go in to the doc after the first year of well baby visits. My kids don't get sick and neither do we. If we get a sore throat or sniffles, we self treat and it clears up. That doesn't mean we might not some day get really sick and need antibiotics or stronger meds other than OTC and 'chicken soup' home remedies!
I usually self treat and do preventative stuff. BUT in the rare instance of one of us contracting a serious illness or having an accident needing surgery, I'm glad we have it. I've ripped out my ACL and needed arthroscopy and I've done two hospital deliveries...and was GLAD for the insurance. Though I'm doing a home birth with baby #3 and was happy to pay out of pocket for it, as I think it'll be a better experience for me personally.
I also don't think anyone here has or was attacking anyone personally, just giving personal experiences with 'the establishment', which like any other system, has it own abuses and excesses. It is needed in many cases, but there are definitely examples where perhaps 'less could have been more', except that it lines someones pockets with a bit more $$. Health care reform is an entirely different animal and probably best left out of this thread!
Good luck on your decision to have or to have not, on the insurance issue! I have one sister currently without it, and her DH has diabetes and they are hurting $$ wise paying for all the meds. My sister needs meds too, but has been not getting them until they can get coverage again. So I understand the 'need' aspect for many folks!