Reply #8: Genetics make up around 3% of health afflictions and can even

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be altered through proper diet and other lifestyle changes. So basically getting insurance prevents your house (if you have one) from getting taken if you cannot pay the hospital bill. But people tend to believe that it makes them immune from being ravaged with cancer or something. It's like getting married--it may be of some use if a woman has to get divorced and has children, but that is little comfort when faced with betrayal and all the attendant emotions. These things cannot stop most of the pain.