Insurance often feels like a waste of money or a "hedge your bets" gamble that something bad will happen. While there may be a thousand ways to spend your hard earned cash, going without health insurance can be the costliest gamble you'll ever make. The law forces us to purchase car insurance, but health insurance is voluntary. Health insurance, however, protects our most valuable asset, our health. The question is, what is the best way to protect your most valuable asset?.more.