Since the American healthcare system has more problems than a college-level math book, you can't go without having medical insurance. Yeah, sure, it's costly. However trust us on this: You don't want the problem of spending for your own medical costs. Even one night in a hospital costs about as much as remaining at a first-class hotel in Hawaii. A health insurance coverage premium is what you pay every month for your medical insurance. Appears easy, right? Well, in addition to the cost of…