You have to consider the distance, availability, and doctors in the medical institutes near you before you choose to take your chances with medical bills. Some facilities will charge much more for the same procedure than the hospital down the street. Remember that healthcare costs are extremely high — US citizens are routinely bankrupted by them. While you may live a healthy lifestyle, that doesn’t stop accidents from happening or diseases from developing. Especially if you are young and healthy, it may feel unfair to have to purchase protection against something that's unlikely to happen. But when disaster strikes — as it sometimes unexpectedly does — you'll be glad to have spent a little extra every month to avoid spending many thousands later. For your peace of mind and for your physical and financial health, we always recommend health insurance for non-residents in the USA.