Your free Podsite trial has expired, but you still have time to upgrade!

Claim your custom domain name todayClaim your domain

A listener asks: Could NOT having insurance be a better deal?

27 minutes

It’s open enrollment for 2023 health insurance for lots of folks — a time when you might find yourself asking: what good is health insurance anyway? 


One listener wrote to us about his son, a student with no income. Dad asks, If the son could get charity care (financial assistance) at his local hospital….  should he bother getting health insurance? 


The big picture question: If you’re broke, and can’t get insurance from work, what are your best options? 

The big picture answer:  It totally depends!  


  • Do you live in a state that expanded Medicaid?
  • What are the financial-assistance policies like at the hospitals around you?
  • What kind of health care do you know you’re going to need?


We had expert help here:   Karen Pollitz, a senior fellow at the Kaiser Family Foundation, and . Jared Walker, founder of Dollar For, and a super-expert on charity care.  


If you want to go deeper:


We’d love for you to support this show. Now is a great time to do it.

This month, every dollar you donate is DOUBLED, thanks to NewsMatch and the Institute for Nonprofit News. Holy cow, what a deal.

Here, go for it.




Hosted on Acast. See acast.com/privacy for more information.

More episodes from An Arm and a Leg

The best video about health insurance, ever

A couple months ago, we started getting messages from listeners telling us: you gotta watch this video. 


It’s a thirty minute YouTube video from a creator named Brian David Gilbert, and it’s …

Health insurance post-Roe, and a grassroots network of abortion funds

Since the Supreme Court overturned Roe v. Wade, abortion has been banned in more than a dozen states. As you choose your insurance plan for next year, you might be wondering: How does that …

Quick update from Arm and a Leg HQ

Hey there,

You may have noticed, we've been keeping a slower pace for the last few months — publishing every three weeks instead of every two — since Dan recovered from COVID.


And …

California plans to make its own insulin and sell it super-cheap. Really.

This year, the state of California put up $100 million to produce its own insulin, and sell it for cheap. How’s it going to work? (Is it going to …

Congress fixed (a piece of) Medicare. It only took a few decades.

Lots of seniors have to pay thousands of dollars for drugs—even tens of thousands—or do without life-saving medicine. That’s finally going to change. 

The Medical-bill "Negotiation Lab"


It’s often possible to negotiate medical bills. It sounds hard — and it can be — but what if we got it down to a science? Mapped out all the moves ahead of time? Jared Walker and his team …

How you can listen to this podcast

You can listen to episodes right here on the website, or if you prefer, in a podcast app. Listening in an app makes it easier to keep track of what you’ve already heard, listen without using your data plan and many other conveniences.

Recommended apps
Start listening to Mom vs. Texas
28:53
Start listening to Mom vs. Texas
28:53