From what I understand, and I'll be honest, finance is not my department, those generally don't allow you to pull the money out whenever you need it. They would need to have access to those funds if they intend to pay their medical bills with it.
The insurance company negotiates prices for services. Without insurance, you will likely get billed more than what the insurance would pay.
Liquid savings accounts are worthless anymore. Unless you're investing that money, you won't see any significant interest on it. Maybe a few pennies a year.
Hold the Reset button as you power off the NES or you'll lose your save.