To your point I was speaking of the average American and not necessarily the poster themselves. Their plan worked just as well as not having insurance because they didn't need to draw on it.

This is misleading.

Their plan would also have worked had they needed to draw on it.

The fact that they didn’t need to draw on it has no bearing on whether their plan would have worked for them.

Again, not for the average American.

Firstly there in fact are no average Americans.

If you want to use a statistical model to say how many people it would or would not work for, by all means do so, but otherwise this is just an empty definition.

Secondly, you actually argued that it only didn’t work for him because he didn’t make a claim. That has nothing to do with the average American and is simply a false statement.

I agree that it wouldn’t work for everyone. But it would clearly work for many people, including him.

If you want to argue about the average American, then you need numbers and facts, otherwise it’s just an empty opinion.