MEGAN MCARDLE: “The answer as to why I have health insurance is simple: my employer pays for it. If my employer didn’t pay for it, I wouldn’t have it. I’d buy a catastrophic policy from a reputable insurer to cover any amount that might bankrupt me, and self-insure for everything else. That would probably cost me a little more than what I pay The Atlantic for my first-dollar coverage, so I opt for the first-dollar coverage. It’s not like I get the money The Atlantic is spending on my benefits back if I choose to go without.”