Health insurance offers a way to reduce such costs to more reasonable, affordable amounts. The way it typically works is that the consumer pays an up front premium to a health insurance company and that payment allows you to share "risk" with lots of other people who are making similar payments.
Discerning is the answer to your question.
Heart disease is a very rare disease.... False.
Individual decision making is more limited than collaborative decision making because as an individual you would only have one or two points of view on the subject as well as knowledge and ideas. If you were to work with more people to decide on something then there would be a good chance that everyone would be able to pitch in ideas and different points of views to overall decide.
