It is generally a good idea to have health insurance to protect yourself and your family from the high cost of medical care. Unexpected illnesses and accidents can happen at any time, and without health insurance, the cost of medical treatment can be financially devastating. In some countries, it is even required by law to have health insurance.

That being said, there may be certain circumstances under which you may not need health insurance. For example, if you are young and healthy and do not anticipate needing to visit the doctor often, you may be able to self-insure by setting aside money in case you do need medical treatment. However, this is generally not recommended as it can be difficult to predict when you will need medical care, and the cost of even a relatively minor injury or illness can be high.

Overall, it is important to carefully consider your individual circumstances and decide what is best for you and your family when it comes to health insurance.