Very few, I am just saying that you can sign up when you think the risk hits your threshold. I'm mid 30s and wish I hadn't had to pay the last 10yrs. Honestly, until you have ids it's unlikely you'll use it and even less likely that you can't sign up for it before a major operation.
Yes you should try to time a major medical issue or accident during the open enrollment window. You should also not have car insurance until you think you might have an accident
