My husband and I relocated to St Kitts & Nevis in the Caribbean. We were very concerned about getting health care insurance. Then, while we were still trying to figure it out, he had to go to the ER for an infected ant bite. An hour with a doctor, intravenous antibiotics, and a prescription for antibiotics to take in the days to follow. The most expensive part? Was the taxi ride to the hospital. We realized the reason we were having so much trouble finding health insurance is that most people don't need it.