You may think you don’t need health insurance. What are the chances you need it? But life is full of risks (and your friends are full of germs). Don’t take chances—with your health or your financial future. Financial future? Yep. An emergency appendectomy, for a person without health insurance, can cost around $15,000. So, your appendix bursts, you have no insurance, and the next thing you know, you’re declaring personal bankruptcy.