They have been called the young indestructibles, young adults in the prime of life who are pretty darned sure they are immortal and don't need medical insurance. Life can have wicked surprises for people who don't have insurance. When you suddenly decide you need insurance, it's usually too late. Insurance doesn't get your attention until you have run up a large and unexpected medical bill. Insurance is a strange purchase. You buy it hoping you never get your money's worth. If you didn't get your money's worth this year, it's because you didn't get seriously sick or hurt. However, if people who shun insurance protection are called the young indestructibles, then most of the rest of us should be called the old suckers because we end up not only buying our own protection but paying for the medical care of those who walk the tightrope of life without an insurance net beneath them/Bill Hall, Lewiston Tribune. More to come.

Question: What life's lesson taught you that you aren't indestructible?