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Yes
Not in Australia. Certainly not in the USA. Every doctor and clinic and hospital will treat you whether you have insurance or not. YOU remain responsible for the bills. Millions of uninsured people spend hundreds of millions of dollars annually for med care - paid in cash/checks.
There are certain Long-Term Care Insurance that will reimburse or help supplement the cost of care for a senior in a private home. The service for senior care must still be paid directly to the agency, Long Term Care Insurance will be directly reimbursed to the client.
The main provisions enacted by the Health Insurance Reform bill introduced in 2013 are patient protection and affordable healthcare for all. This means that no patient will be denied care.
Having to buy health insurance is nothing new. In fact, for decades, people have had to budget for health care, along with rent and food and car payments and other expenses. Unfortunately, the previous system of health care left many people uninsured or unable to afford any coverage, and often, insurance companies denied people insurance or dropped them due to pre-existing conditions. The reason several presidents in the past tried to pass legislation to improve access to health care was because it had been so expensive and so difficult to get. Political rhetoric aside (and there is a lot of misinformation from both sides about the Affordable Care Act), its intent was to make insurance more affordable and give more people access. Whether it will succeed remains to be seen, but in some states, it has already been beneficial, while in others, it has been a slow process.
Call your state welfare office and ask if they have a program based on your income for health insurance. For instance, MN has "MN CARE" which is funded from cigarette taxes. In state funded programs you have to qualify of course, usually by sending in a copy of your tax forms from last year, and of course if you work now, your proof of income.
Since the Affordable Care Act ("Obamacare") there are no longer "preexisting condition" restrictions allowed on health insurance. A history of an abnormal pap smear should not affect your ability to get insurance. If it is, contact your state's Department of Insurance for information.
Since the Portable Health Care Act (Obama-care), Managed Care is replacing Private Insurance. However, people still resent managed care programs.
Health insurance is necessary because it will offset the costs of medical care should you get sick or injured. Medical care, even for a relatively minor issue, is very expensive and with insurance much of that cost is taken care of by your provider. If you do not have insurance, then the taxpayers and other patients end up absorbing YOUR costs. At certain ages, you are less likely to get sick, but still, health insurance does provide preventive physicals, mammograms, colonoscopies, etc. that will help keep you healthy.
The repo man will not care if your car has insurance or not. If you haven't been paying for your car, the finance company or bank will take their car back.
Progressive, General and Allstate all have cheap insurance rates. They don't care if you record isn't as clean as it should be, they will still be cheap!
No.