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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.

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