Azanon, I usually just cruise on by posts like yours that I disagree with, but this one hit a nerve with me (no pun intended).
Like you I felt I was "rarely worse than average on anything." I'm not overweight, I don't smoke, I don't have high cholesterol, I exercise frequently and am in very good physical shape. I have no family history of serious medical problems. An health insurance dream.
Unlike you I happily paid for good health insurance.
Through no "fault" of my own - I've been diagnosed with conditions which caused me to incurr about $20,000 in medical bills this year. That's just the start. Even banking every premium for the last twenty years, I'll probably run out soon.
S&(# happens to everybody eventually. Someday perhaps you will be humbled. I hope it's not TOO painful for you when it happens.