The only reason you don't want it is because you don't need it
I wouldn't object to paying a realist premium to cover trauma care only which is the only thing they are any good at.
That's how I pay my car insurance, liability only. The type of vehicles I drive you could replace them with a couple of paychecks. Health is very cheap if you know who to listen to like newport. Understanding is the challenge but SSKI helps with that.