having health insurance for me is a insurance to protect my wealth. I only have inpatient though to cover the most serious stuff.
More than one or two cases. I know so many families that experience cancer, heart disease etc. Pretty much everyone I know has someone close with serious illness. And I personally endured spinal surgery.
Above 40 its madness to not have any sort of inpatient coverage .
your welcome to have your 800k sitting/rotting and depreciating in with low to no interest rate. While financial literates use an agent and make up the fee many times with returns on investment.
I highly doubt its illegal. Immigration like agents as its more effective for them.