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Private health insurance is not an investment so its' difficult to say when it is "worth" it.
However, there will be many times when a consumer receives a substantially higher amount of benefits compared to the premiums they pay. I suppose it is "worth it" at that time. However, the alternative means you have no health problems. That's really a bargain!
When you use it! When you are paying premiums and do not use your insurance it is hard to see the value. However, the first time you end up in the Hospital with a $300,000 hospital bill you realize that it is not such a bad deal. If you are healthy, my recommendation is an HSA qualified plan. You save money and are covered for those catastrophic events.
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However, there will be many times when a consumer receives a substantially higher amount of benefits compared to the premiums they pay. I suppose it is "worth it" at that time. However, the alternative means you have no health problems. That's really a bargain!