Ok, Stephanie, you have AFLAC. So if, say, your husband has a heart attack and is in intensive care for 3 weeks, AFLAC will give you money. Who is going to pay the $100,000 bill the hospital is going to send you? If you don't healthcare, do you have $100,000 sitting around so you can pay this bill? I doubt it. I'll tell you who will pay - me - because I have insurance. Thanks to people like you, my insurance premium went up 30% this year. Thanks alot!!