I read most all of the responses here and agree with the OP's that said anything could happen. Don't take your good health for granted. Things can change over night---cancer, heart-attack, accidents etc. Years ago I was working, my health was pretty decent THEN I had a work-related back injury. It was treated for over a year. The dr. finally told me that I'd never be 100% and he was correct. I'm now (30+) years later still limited with what activities I can do. IF not for insurance---not sure what might have happened. About 14 yrs or so ago, I was diagnosed with an autoimmune disease that too is dibilitating and I wouldn't wish on anyone. You just never/ever know!!
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