I don’t see this in other replies, even though it’s incredibly obvious, so: insurance for most people comes as a benefit from work or from the government. So you get something, you take it. Your question only applies to those who are not eligible for any kind of subsidized health insurance, which is rare for those who could otherwise afford one.
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Confirming that you are simply wrong. There are a ton of high yield savings accounts, by mainstream banks, local credit unions and fintech startups, pick your preference; you can deposit and withdraw any amount any time and interest is calculated daily, paid out monthly. Rates are not fix, they have been hovering 3-5% in the past 10ish years.