Why should I have health insurance? I am young, healthy and take no medications.
It’s understandable in a tight economy that many young adults today do not find value in having health insurance. The odds are in your favor that if you don’t have health insurance and save your premium that you’ll be ok. The odds are also in your favor if you play Russian roulette. Neither are good ideas. Both have serious consequences. Those who go uninsured are also doing a disservice to the health of the healthcare in the economy. You are closing your eyes to a clear and present danger that will result in someone else having to take care of your obligations.
Most young adults in their 20’s, who’s parents did have health insurance, probably grew up seeing their parents pay $5 here, $10 there, and most parents don’t even know what uninsured healthcare costs are. Even if your insurance pays $0 on a claim, your insurance probably saved you 50% or more. If you don’t have health insurance, your provider will charge you the retail rate for the procedure. They are required to do so. A broken rib and trauma costs an average of $11,000 for treatment, but the average PPO discount brings down the gross cost to $3,700. (source: VIMO, 10/2/08) Hepatitis can cost you $18,000 in the first few days, and then $20,000 in drugs. Young adults, while least likely to have expenses, also benefit from much lower premiums. In most areas, a healthy young adult can get a high deductible health plan for about $2 per day. After you tear up your knee, or have an unexpected illness is not the time to complain about getting insurance.
It is our opinion that sometime before 2012, you will be required to have health insurance. If you don't get it while you can, you may pay much more for it in the future.
I am 31 years old and my company that I work for who up until June has been paying 100% of my and my sons health insurance. So now I will be paying a extra $300.00 a month for health insurance...for which I may or may not need. Yes $300.00 doesnt seem like alot but when you make only 11.00 a hour...and your a single mom...it turns out to be alot. I think no matter what insurance is a gamble...its 50/50 both ways...maybe something could happen...and maybe not! So far I am a very healthy person..I excersise, eat right, and hardly go to the doctor...and as far as my son goes...I am not one of those parents that takes thier child to the doctor for every single thing that happens...I try to work it out at home first...and then if he doesnt get better then I will take him to the doctor...so he hardly goes to the doctor either...so why should I get health insurance?? For that "what if" well you know what...what if nothing happens and I paid all that money for nothing...right now where I stand it is cheaper for me to not have health insurance then to have it...and that is sad!! Or how about all of those people that have paid thier insurance for years then they get really sick...then the insurance company refuses to pay..."because it too expensive for them"...I think insurance is a bunch of crap!!
REPLY: You make very good points. I encourage you to ask your employer to offer a less expensive health plan as an option. You should also look into Kidcare insurance in your home State. You may be eligible for either a subsidy or discounted health insurance, based on your income, for your child.
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i think have health insurance is very important to protect us if some think happened
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