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Do you think they'll give me free health insurance as a 23 year old who lives with a parent? I don't have any interest paying a dime for health insurance becaus

Do you think they'll give me free health insurance as a 23 year old who lives with a parent? I don't have any interest paying a dime for health insurance because I could use that money to eat healthily instead and try to stay out of trouble. Otherwise, I'd starve or sacrifice my diet in order to afford the health insurance. It has never made sense to me.

n9 7y ago
You are risking bankrupting you and your parents for a single hospital visit. Friend had a heart arrhythmia scare at 28 years old. Lost consciousness, ambulance to ER, admitted and then stayed in hospital for three days. $67k in Billings that they negotiated down to about $50k. That’s why.
- newguy1234 7y ago
  But the kicker with this is most young people don't have much in assets so they don't lose much in a bankruptcy. Meanwhile they get to immediately spend any cash they would otherwise be paying on health insurance. Also from what I've read...the lack of insurance penalty has been scrapped. Now it makes sense why so many don't get the insurance.
- Ghjklov 7y ago
  That's one of my fears indeed. But what if I have no job? Leaving my parent aside because there's no reason they should be legally liable to their adult child who lives their own life...they are going to have to enslave me or help me find a job if they ever want to see any of that bill paid. Otherwise, they could just kill me too, to repay my debt to the hospital with my life if that makes them happy. Probably a very immature view on this, but still, I see no reason to sacrifice my health in terms of food and quality of life for health insurance. Won't that just increase the likelihood of me becoming sick and needing healthcare to begin with?
frosted-flakes 7y ago
What happens whenyou get run over by a drunk driver? You don't get to choose when that happens, and there's little you can do to prevent it.
- Ghjklov 7y ago
  In that case, the drunk driver/his insurance would pay for the hospital fees, no? That is, in the more optimistic outcome where I actually survive.
  - greedo 7y ago
    What happens if you're out walking down the street and stumble, fall, and hit your head. Now you have a brain bleed, and need neurosurgery to relive pressure on your brain.
  - philipkglass 7y ago
    Reckless drivers may not have insurance, or enough assets to pay off your hospital bills.

n9 7y ago

You are risking bankrupting you and your parents for a single hospital visit. Friend had a heart arrhythmia scare at 28 years old. Lost consciousness, ambulance to ER, admitted and then stayed in hospital for three days. $67k in Billings that they negotiated down to about $50k. That’s why.

newguy1234 7y ago
But the kicker with this is most young people don't have much in assets so they don't lose much in a bankruptcy. Meanwhile they get to immediately spend any cash they would otherwise be paying on health insurance. Also from what I've read...the lack of insurance penalty has been scrapped. Now it makes sense why so many don't get the insurance.
Ghjklov 7y ago
That's one of my fears indeed. But what if I have no job? Leaving my parent aside because there's no reason they should be legally liable to their adult child who lives their own life...they are going to have to enslave me or help me find a job if they ever want to see any of that bill paid. Otherwise, they could just kill me too, to repay my debt to the hospital with my life if that makes them happy. Probably a very immature view on this, but still, I see no reason to sacrifice my health in terms of food and quality of life for health insurance. Won't that just increase the likelihood of me becoming sick and needing healthcare to begin with?

frosted-flakes 7y ago

What happens whenyou get run over by a drunk driver? You don't get to choose when that happens, and there's little you can do to prevent it.

Ghjklov 7y ago
In that case, the drunk driver/his insurance would pay for the hospital fees, no? That is, in the more optimistic outcome where I actually survive.
- greedo 7y ago
  What happens if you're out walking down the street and stumble, fall, and hit your head. Now you have a brain bleed, and need neurosurgery to relive pressure on your brain.
- philipkglass 7y ago
  Reckless drivers may not have insurance, or enough assets to pay off your hospital bills.