As a lifelong uninsured person, I have to say that this sounds insane. How could a person financially justify paying out 6-10k a year? Do you really rack up MORE than that at medical institutions?!
Seems to me more like a gamble that you are betting $80,000 that you will get a $100,000 injury in the next decade.
The 3 months I had insurance at a job, it was dental, and only covered a few grand a year, max and I still had to pay out a large portion. So long as anyone is making a profit selling you insurance, I can't see how it would ever be financially wise to get insurance for a person who isn't hiding knowledge of a serious problem.