I was very glad to have health insurance when I got sick riding in Canada about 10 years ago and had to be flown back to Oz. Between my travel insurance and health insurance, it didn't cost me a cent, even though I was hospitalised in a private room for 8 days.
When Vanessa had our baby, again because of the insurance, we were hardly out of pocket, which is almost unheard of at home.
I agree Michelle, it's not cool to have to effectively subsidise unhealthy people - though in Oz you can actually get rebates for things like gym memberships and other heathy practices - but like car insurance, it's not you as a good driver that usually causes the problem, it's something completely unexpected. And in the case of an avid snowboarder, that something is probably as likely as anything to be an out of control gumby who takes you out mid turn, or a soft patch of snow that you can't possibly know is there (Brian can attest to that!)
Yes, it's costly, but far less than the (unthinkable) alternative.
My dad always taught us - very wisely, I might add - that if you can't afford to insure it, you probably can't afford to own it. That goes for house, car, valuables and, most importantly, your body.