As the economy keeps getting worse, finding individual health insurance is not going to be easy. If you have access to group insurance you can find lower rates, but for individuals, it's going to be a chore finding insurance you can afford.
There are some people who don't carry healthcare insurance due to the high cost of the premiums. There are others who don't carry it because it's an added cost to their already tapped-out income. Finding individual health insurance is not an easy task without the help of a broker.
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Self-employment can be great for morale and a liberating experience. However, getting sick and losing job after job can set your mind to wonder if you did the right thing in not finding individual medical insurance.
If you have health insurance you know your wages will be covered if you have any health issues that require you to miss work. Some illnesses can take over a year or so for recovery. Without insurance, it becomes a trial to get your work done and pay the medical bills.
There are temporary employees, part-time employees, and others who only work a few hours a week that also need individual medical insurance but can't afford it. They don't have any coverage, so if they get sick, they have no backup health plan.
Students also don't have any health insurance unless they are on their parent's healthcare plan. However, if they are over 19, then they have to have their own individual health insurance. That's a lot of money for a student to pay out every month.