i mean this in the nicest way possible - your are a complete and utter idiot. you are not your own insurance company, you are your own worst enemy! i hope you never have to find out how true this statement is. get your ass into the ins office tomorrow - do you realize if you come down with somthing, it will always be considered as a "pre-existing condition" and will likely NEVER be covered? seriously, get a zillion $$$ deductible from blue cross and you can always change the coverages later. when i was younger, i didnt have med ins either, now i see how foolish that was.
one thing about insurance, after your net worth reaches a certain level disability insurance is more important than life insurance