When an American citizen turns 65 years of age, they have the option to enroll in Medicare (they may also qualify before the age of 65 if they are eligible for disability benefits). Basic Medicare, which includes Parts A and B, cover most of your basic hospital and doctor expenses, respectively. Unfortunately, "most" does not mean "all". The expenses which Medicare does not cover - sometimes referred to as "gaps" in coverage - are what Medigap insurance protects you from. It is a private plan designed to cover the medical expenses where Traditional Medicare falls short of the mark.

Yes, It is true that it is against the law in the majority of states to drive without insurance.
Nevertheless, there are a few states that provide you with the option to be self-insured. In order to qualify for self-insurance, you will need to either make a cash deposit or post a surety bond with the treasury of your state. This sum is often equivalent to the individual responsibility limitations imposed by the state, which may range anywhere from tens of thousands to hundreds of thousands of dollars. As a result of this, self-insurance is not a choice that can be made by the majority of common people.

Even if it’s your first time breaking the law, being pulled over while driving without insurance almost guarantees you a ticket with associated consequences, even if it’s your first offense.
In certain places, such as Massachusetts, New Jersey, West Virginia, and Hawaii, the maximum amount that a driver may be fined for driving a car without insurance is $5,000. Even if it’s your first time breaking the law, your driver’s license might be suspended in several states if you drive without car insurance.