Post # 1
Anybody out there without it? How do you cope and does it stress you out?
I got offered a position, which i REALLY want to take.. but it doesnt offer health insurance. I am worried about that. I am not a sick person.. but you never know what could happen.
Should I not take this position and stay with my current job, just for the health insurance?
Post # 3
Stay with the health insurance. It is awful not having insurance take it from me. You never know what may happen and you can’t be going to the emergency room for everything.
Post # 4
Can you purchase it on your own? If you don’t need to go much, you can get a high deductible policy on your own for very little each month (but if you were in an emergency, you have to pay the deductible before the insurance pays).
Post # 5
You really should have insurance. I saw the bill for just a few stiches one time – $1200! Even if you’ree healthy, what if you got pregnant? You can either buy an emergency policy for cheap, or purchase through your old employer via COBRA.
Post # 6
Unless your current job is the worst job in the whole universe- don’t leave for one without health insurance! Even little things are hyper expensive without insurance. Every time I get sick I also have panic attacks over the idea that I can’t afford to be sick. It makes being sick soooooooo much worse!
Post # 7
If you get sick and don’t have health insurance, you could end up bankrupt.
Check to see if there is some way you can purchase and individual plan or if your state or municipality has programs you can take advantage of.
Post # 8
I’ve gone without health insurance before for several years- my job didn’t provide it, I couldn’t buy it on my own at the time, and I had trouble finding a new job. It sucks. Every time you get sick or think you might be/ get sick or have a “near miss” for some kind of accident (like a bad fall or something), you end up mentally weighing how bad it would *really* be to not seek medical help, and you end up postponing things. Also, keep in mind that things cost a LOT more than many insured people think they do. This includes checkups and emergency services- so if you can’t afford the insurance, you also may not be able to afford any care (including basics like a yearly checkup) out of pocket (unless your income is low enough that you qualify for clinics or medical assistance- I was in that gray area where you can’t afford things, but you make more than qualifications for many types of assistance).
I have not yet gotten a job that provides me with insurance, but have been buying it myself since I started my last job. If you can do that and get the dream job, I say to go for it. My insurance has a $2,000 deductible, and I get one check-up and one OBGYN appointment per year without having to meet that deductible. Having to pay for the first $2,000 out of pocket sucks, but I know that that money will be eaten up in my first day if I need hospitalization.
Post # 9
Oh by the way, my husband got insurance through e-healthinsurance.com when he didn’t have insurance.
Post # 10
I would get a private insurance plan. There are ones available that aren’t too expensive for healthy young adults. Like other posters said you have to pay out of pocket for a while, but if anything happened they would cover a lot of the cost.
Post # 11
*hugs* to the American gals (man?…anywhere?).
I am really lucky (and glad) that I don’t have to worry about health insurance. When I find myself fretting over the fact I don’t have dental coverage, I remember their are millions of people in the world that don’t even have proper access to a doctor. I am obv. not an expert on it but I am with the others that you should look into buy insurance yourself, I mean it is better to pay about a money now than to possibly lose all your money later.
You never know what is going to happen. Life doesn’t promise anything.
Post # 12
Unless your new job pays you more money so that you will be able to buy a policy on your own, don’t leave your old job! It’s not worth the risk.
Post # 13
I dont have insurance and havnt since High School 6 years i think. For me its not a big issue. I think the only way I would get it if it cost me VERY VERY little. I dont get sick often and when i have the doctors visit is only $88 and the meds you can get generic for the most part.
If i were to get into a car acident I would be covered by car insurance. Extremely hurt at home my home owners, or at work they would cover it.
Post # 14
Also, keep in mind that if you don’t have any insurance for a period of time (for example, 6 months), when you go to get insurance, they can refuse to cover any pre-existing condition (including basic stuff like allergies) for months. I would stick with having insurance!
Post # 15
Can you negotiate with the new job? I would never take a position without health insurance- I have really bad insurance right now and I worry about that already. I can’t imagine how bad it would be not to have any at all. But it can’t hurt to tell then that it’s the insurance that’s holding you back from accepting the position. I mean, what’s the worst that could happen? If they say they can’t do it, you’re no worse off than you are now.
Post # 16
If you really like your current job, I think you should check into private plans. This has been an issue for me lately and I have found some that I think are pretty reasonable ($100-$150/month depending on policy). One FYI, though: apparently, there is a waiting period before many plans will cover pregnancy and delivery expenses. If you are planning to have children, make sure you know what is/will be covered! Good luck.