I try to keep my bad thoughts to a minimum, but very few people are rich enough be immune from enjoying the glorious realities of our health care system. You don't just need to have "good insurance." You need to have the extra super secret insurance that most of the 1% don't even have. Basically, you need to be super super rich.
Thinking it's all gonna be good for you, personally, is one of those follies of youth things which extends right up until the point where you or yours actually has to deal with it. Then we're all communists now.