I currently have an condition that requires surgery that I'm putting off because even with my insurance (which costs me about 25% of my rent every month, or more than the total of all of my utility bills including phone and internet) it's still expensive enough that I can't do it now. This condition is the result of minor issues that I noticed nearly a decade ago, when I had no insurance, and I decided that I needed to tough it out rather than not have enough money to pay rent.

Just wanted to make this less abstract for you. Lack of insurance led to a more complex situation that underinsurance leaves me helpless to solve, while homelessness waits for me to choose health over shelter.