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What do you do if you have no medical insurance?

Updated: 8/16/2019
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13y ago

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Why? Most often I hear because it's not affordable, my employer doesn't offer it, or I can't qualify with my health so let me just address these first:

Not Affordable: I understand. You may want to consider picking up supplemental insurance so that you have something vs. nothing. With supplemental plans, the benefit dollars are sent to you (unless assigned otherwise) to do with what you deem necessary. Although health insurance is equally as important, if the mortgage/rent and a medical bill is sitting on the table and you only have enough money to pay one of them...which one wins? Some worry that if they don't have health insurance that they won't receive care or the best care if they don't have health insurance. The fact is so many of us today don't have health insurance so I don't think you'll find this to be the case now a days.

My employer doesn't offer it: You can obtain individual health insurance policies provided you have decent health and a little money. The best way to shop for them is online.

I can't qualify: Again, you may want to consider picking up supplemental insurance like above. You'll find their underwriting process is a bit more forgiving.

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13y ago
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