It does affect your credit, in some cases, even IF an insurance company steps in (or fails to). I got in a car accident in 2000, other driver at fault. Their

It does affect your credit, in some cases, even IF an insurance company steps in (or fails to). I got in a car accident in 2000, other driver at fault. Their insurance company agreed to pay the medical bill. I didn't realize until 3 years later, when the collection agency tracked me down, that they never did. That crap finally fell off just a few years ago, but cost me who knows how much in added interest rates over the years. Not having health insurance is pretty stupid, even if you're healthy, young, broke, and in college. If you're starting a company, it's just completely irresponsible.