Health insurance is kind of backwards. If you are extremely wealthy, then you might be able to get through life without having health insurance coverage. I mean, Bill Gates is unlikely to have concerns about being unable to pay for an extended hospital stay or the cost of the ambulance that took him to the hospital.
What if you aren’t extremely wealthy? You are simply not going to be able to pay your medical bills out of pocket. The only way you are going to be able to pay for your health care needs is if you can get insurance coverage. Theoretically, health insurance is supposed to be there to help you pay for (at least some) of your medical bills.