only auto and health is necessary and works(most of the time).
Health insurance is technically no longer insurance. It is "coverage". Insurance pools low-risk high-cost events - the rare but expensive - over a large group based on the statistics of that event occuring. If your house burned down twice a year, your homeowners insurance premiums would be double the cost of rebuilding your house - plus insurance company overhead.
But luckily, houses only burn down an average of once every 175-200 years or something like that, which means that you can protect your home from fire for about 0.5% of the cost of rebuilding it.
Health insurance has been required to cover a growing list of high-risk, low-cost events since the early 70s - the common but cheap - like doctor visits and lab tests and prescriptions. And as a result ...
No, I won't elaborate on theme ... people refuse to apply common sense recently when the subject of health insurance comes up. So let me ask this instead: what would happen to the cost of auto insurance and the cost of an oil change if auto insurance were required to pay for oil changes?
SIG: If you're going to create the drama, at least supply the popcorn.