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Opinions on health insurance?

Is it actually worth having? Is it a scam? I already have my feelings on it but I’d like to see other people’s feelings about it.
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RoxClymer · 41-45, M
especially in America it is worth it, as expensive as it is, going to a pcp/gp is nearly impossible without it and hospital visits are ungodly expensive

had a good friend of mine "get in an argument with a circular saw", 15 years later his wallet is still feeling the affects of a $40k Life Flight, 2 weeks inpatient and 3 surgeries, without health insurance

I on the other hand, with insurance, had a 2.5 month stay, and walked out owing $2,100.