If you stay healthy enough, you should never have to pay it. Consider buying generic medication. Most generic medication is the same as the name brands without the added cost. Name brands cost more to manufacture. In fact, some plans do not cover name brand medicine. Getting health insurance is a wise choice. You may never think you will be sick, but you don’t know what could happen. You would not want to be caught with the financial burden of paying for health care. There is an affordable health plan available for everyone.