Gabrielle and juan both decided to skip buying health insurance coverage this year. gabrielle has a really good immune system, and she hasn't needed to visit the doctor in a long time. she decided the cost of the policy was more than the benefit she was getting out of it. juan's health varies from year to year, but he mostly is having trouble paying for insurance on top of everything else. he decided that he could go without doctor visits for a while if it could save him some money. who is more justified in choosing not to get insurance?