It means squat if you are in good shape or not. If you go out of your house, then anything can happen. I had a friend do some gardening and got bit by something and they almost had to amputate his leg. Do you play sports? I knew a guy who pitched and got hit by a line drive and had to get a specialist to rebuild his face. You can get bit by an animal, hit by a biker/golf cart, by a tennis racquet/pickleball paddle.
You are only in good shape until you aren’t, then it’s too late.
I never understood high deductible plans either, you are trying to save money but in the long run it could cost you more.
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