I recently got my VA disability rating back after months of waiting, due to the pact act it took forever, that's aside the point. With 90 percent as most you know who have a rating I can go to the VA for anything even if its un related to a service related injury. My main question is, do I still need health insurance? I have heard my mixed things about it. What if I was in a horrible car wreck and they took me to just a regular hospital. Something on the VA says something about reporting within 72 hours and your fine. But there are also things that say the VA might not cover those types of costs. Any wisdom or past experience is much needed thanks. Really trying to avoid paying for an insurance plan if I can. But the last thing I want is a huge medical bill.