If you aren't wealthy, it is a necessity because otherwise you won't get medical treatment.
I've been watching the old 2007 Sicko movie on YouTube, there is one uninsured guy who accidentally sawed off two of his fingers, and he had to choose between paying $65,000 to have the middle finger reattached and/or $12,000 to have the tip of the ring finger reattached. He didn't have much money, so he only got to have the ring finger fixed. So sad.
There was also a part of the documentary that someone was testifying to Congress that they caused a person to die but not only were they not held responsible, they were promoted and paid more because they'd saved their health insurer employer a half million dollars by doing that.