I'm a healthy 'no prior conditions' relatively young non-smoking female and when I checked just last month for coverage in my area it was fucking ridiculous. You need to shell out a minimum of $100 for anything resembling NOT CATASTROPHIC EMERGENCY insurance and closer to $200+ for preventative plans with reasonable premiums and co-pays. For the 'good stuff' it's more like $400+ HOW IS THIS AFFORDABLE? Obviously I'm either not working or I'm under-working else I'd have coverage under my employer, so why stick me with a $400 monthly bill for a service that I will 98% chance NOT use but 2x a year for an annual check-up and random flu?
It's actually cheaper currently just to go to a community doctor, clinic, or EMERGENCY ROOM and not pay for medical care. I get any necessary tests from off the grid specialty 'no insurance' centers including an internist with a social mission (btw ENTP I think) and budget ultrasound, cat scan etc. centers There is seriously an underground market for these types of places. Whole 'no insurance' medical industry is up and running. It ends up all being cheaper for me than paying for insurance.
The reviews for the different health insurance companies is usually abysmal too. And its very easy to get cheated out of your claim or it to take to long and have too many hoops be too confusing, etc. This reminds me of getting a mortgage, you're pretty much fucked no matter what, regardless of what a relative "deal" you get or your particular lender. No matter how terrible things get you are expected to grin and bear it and waste countless hours taking care of problems your provider is causing for you.
Again, I am seriously, seriously, seriously not getting what people are so excited about and specifically this 'universal health care' bs. It's a law to have car insurance but I don't see anyone celebrating 'universal coverage of cars'.
I seriously think this is a conspiracy pushed in part health insurance companies.
I feel extorted already. I'd rather pay the penalty every year and give a big FU to the jeniuses who thought this up and health insurance scams than "be loving and kind to myself" and get myself bogus sub-par health insurance. What an insult and injury.