In addition to what everyone else said, I recommend Gwern's "Console Insurance". Also, Jacob from Early Retirement Extreme says the following about dental and vision insurance:
I don’t have dental or vision insurance. Paying insurance that covers “regular maintenance” like teeth cleaning or contact lenses which these kinds of insurance do makes no sense whatsoever. Suppose everybody pays $25/month for contacts. Now do you think that everybody paying those $25 through an insurance company will make it any cheaper? No, the insurance company will add a $5 administrative fee—they most definitely will not give away free money. As such this kind of insurance is nothing but a financing plan for people who can’t figure out how to save the money for a $200 dental visit. The point of insurance is to cover rare events with a six-figure cost, which dental or vision simply doesn’t have.
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I made epub and mobi versions. Download here. They contain links to all original posts, so anyone who wants to look at comments can click on the title of each post to do that.
Do let me know if anything's massively broken.
I have noticed one more issue. In "Efficient Charity: Do Unto Others…" the symbol "£" is twice corrupted into "ÂŁ". This is not an ebook-wide problem, since "Searching for One-Sided Tradeoffs" and "A Modest Proposal" both use the correct symbol. Apparently this is simply a problem with the source; the copy of the post at the Effective Altruism Forum has this error, but the copy of the post at LessWrong, has the correct symbol.