You can always make the argument that insurance, no matter what it covers, isn't worth it. You're paying for coverage in the case something goes wrong. If it doesn't go wrong, you don't get your money back. The one exception to this is Old-Age, Survivors, and Disability Insurance, better known as Social Security. For some reason, we feel the need to mail checks to, statistically speaking, the wealthiest age demographic in the country whether they need it or not.
But is health insurance worth it?
If you're a very lucky and healthy 25-year-old with no dependents and six figures in the bank, maybe not.
Everyone else? I don't know. That would depend on things like your state's bankruptcy laws. What's not to love about the bankruptcy process?
The major problems with health insurance in the US are that 1) there is no basic public option that everyone could use if they absolutely had to, and 2) the largest providers are for-profit, meaning that they have to satisfy the free riders known as shareholders.
Risk pooling is also broken. People with jobs good enough to get health insurance are generally cheaper risks than people who have to buy health insurance on the market. So your corporate policies wind up cheaper than if you joined the rabble risk pool of people who have to purchase their own insurance.
I could absolutely see that becoming more of an issue for more people if the next step in profiteering is to have more contractors who do work for companies while having to get their own health insurance for themselves.
Also, the other problem with risk pools for healthcare in the US is that the most expensive risks - chronic illnesses like heart disease and cancer - are arguably the ones that no one wants to manage the risk of financially. Could you reduce those risks over time by making it more expensive to be obese, like we do with tobacco consumption? Probably, but it'd be incredibly unpopular with the insured.