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(USA) Do supplemental cancer/critical illness policies make sense?

Me and my wife are in our 40s, and currently in good health. I get insurance through work, but it's a high deductible plan. I have enough in my health savings account to cover the out of pocket maximum for a few years.

Cancer does run in my family, so I was considering a cancer policy. My grandmother has one with Aflac, and she received a good payout when she was diagnosed with breast cancer. I have seen that she also only has to pay a few hundred dollars per year for her policy, which seems pretty reasonable.

However, I never really hear these policies discussed much online. Can it make financial sense to purchase? (And I guess I would keep paying it for the rest of my life) Or are these something that should be stayed away from?

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