Maria Rose for The Medium wrote: "Even when insured, people can’t cover
their bills, the answer was even more obvious — what is the point of insurance
if it doesn’t even serve the purpose to which it was created?" (Rose, 2019).
Which is true, what good is insurance when it does not cover the innovative
surgery, the experimental drug, the high ER bills. I have had multiple surgeries
throughout my life, my most expensive ones were before I was one years old.
My parents paid a tremendous amount out of pocket and the tax payers paid
the rest (Thank you, I appreciate it.) because my dad was a Marine and had
insurance. My parents were fortunate to have family well off enough at that
time to help pay off my medical bills, even with that help it took years. I also
had to go for yearly follow-ups. My mom still has those old bills, I think I will
go through them and see how much did the insurance really pay. I'm grateful
for my life and my situation in life. I likely wouldn't be here without the
surgeries, but not everyone can take a risk on a 4 month old baby like that.
Why pay for health insurance if a situation like that is going to arise. A family
could likely use that money to support the rest of the family during a trying
time, especially with how expensive health insurance is in America (Rose,
2019). It does not cover enough anymore to even be worth the cost sometimes.
It makes sense to go without health insurance especially if it would keep you
from being able to afford healthy food or a better housing situation(Rose,
2019).
31.2 million people under 65 do not have any type of health insurance in 2020
according to the CDC (CDC, 2021). While some of them do experience large
bills from this, it in some ways must still be cheaper than insurance. If people
stopped buying insurance could we eventually crash the system? Maybe that
should be the goal...let's destroy what clearly is not the best option and create a
new one. One that could allow families to thrive. One that wouldn't force
families to have to make choices that shouldn't even have to be considered.
That is the better option than continuing to drown people in insurance cost as
only a few profit.
CDC. (2021, October 19). FastStats - health insurance coverage. Centers for
Disease Control and Prevention. Retrieved February 3, 2022, from
https://www.cdc.gov/nchs/fastats/health-insurance.htm
Rose, M. (2019, September 15). I live without health insurance. Medium.
Retrieved February 3, 2022, from
https://medium.com/@mariarosedoeseverything/i-live-without-health-
insurance-6fa538cddaab
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