Why Young Healthy Individuals Should pay Health Insurance


Many people who need insurance are born with a disease or illness that they were just unfortunate to have. It was nothing they did and nothing that could have prevented. People get diagnoses with illnesses,like leukemia or cancer or even diabetes and heart problems at any times in their lives. This can happen at any stage of their lives.  I am sure that parents of children who are suffering life threatening problems are glad they have insurance.

My message here is that even the young, healthy individuals who according to many should not have to pay insurance premiums, especially higher ones is just wrong.

If you buy house insurance or car insurance it is in case something happens. Why is health insurance any different. Although I do not feel like the Affordable Care Act (aka Obama Care) is working and certainly do not endorse it, I to do agree with the idea that those younger people who could get hit by a bus or be diagnosed with caner tomorrow should be paying insurance no matter what the cost is.

It is bad enough that our elderly can’t afford medicine.  I understand why people choose to just pay the penalty. However, when they pay the penalty, they are not covered and the same argument applies.  They will need insurance when they get really sick or are involved in a horrific accident.

Young people may not have the money as they have college debts to pay off or they can’t find jobs.  That does not necessarily excuse them from paying insurance. Adults are finding a way and many of them have lost their jobs.  They put insurance as a priority.  The elderly have medicare, but oftentimes that is not enough to pay for the medical care they need. In fact,  they have to go without food or other things to pay or for the medicines.

It these young people can afford cars and insurance for their cars, a house or apartment with insurance,food that is oftentimes better than those who are struggling to make end’s meet.  Often times, the ones with no car and live in low income housing and don’t have food to eat and can’t provide new clothes and supplies for their children, make sure they have insurance.

I think having insurance is a responsibility and should be treated as one.  I have to ask what would happen if one of these young people ended up in the ER with a huge doctor’s bill how that would be treated. Who would pay for it them?

I am sure you know about the “everyone gets a trophy” idea. I think that is what is partly to blame for this.  I won’t get started on that other than to say that many of our youth think that they are entitled to things they haven’t earned and the world owes them things haven’t earned.  They think that they can go without insurance with no penalty because they just think they are entitled and there are no consequences. This is messed up.

Now that I am on my “soap box”, I would like to say that this new minimum wage thing really bothers me. I agree that people can’t afford to live on what they get paid on minimum wage and the amount needs to be changed. However, going from $8 to $15 makes it so that in a year that means they make about $32,000 a year.  These are people who don’t have to go go college, don’t have the responsibility of paying off loans or the often the extra responsibilities and demands of the jobs. i worked as a teacher for about 10 years and never made more than $31,00.  I would work at least 50-60 days a week because what people don’t realize, the job doesn’t stop when the kids go home.  You can argue that we don’t have to work all year, but oftentimes, we have to go for training, etc without pay.  It is not just teaching, however.  There are many professions that make a lot less than $15 dollars even when they are on salary.

I know that a lot of people who are making minimum wage are hard working individuals and deserve more than what they are getting. However,why should an 17 year old kid who has chosen not to go to school or better his life in any way and simply flip burgers and go out partying all the time, make the same as a teacher or other salaried worker?

They shouldn’t. However, It bothers me that celebrities and athletes make so much money, spend it  frivolously while others go hungry and can’t afford to see a doctor or medications. So, what I can say! Life is not fair and I guess I am not going to be able to do much about it.  It has felt good to vent on this blog, however. Thanks for “listening”. 

About Michelle Clark Bipolar Bandit

I am a strong advocate for the mentally ill and have been since I was first approached by a lawyer in a psychiatric facility as a teenager. He wanted me to help him fight how the mentally ill are mistreated. I was diagnosed with bipolar disorder at the age of 17 after a full blown manic episode. Before that, I suffered from debilitating depression for 4 years. My goals are to help others by sharing my story and providing tips to deal with mania and depression. I often write blogs related to advocating for people like myself. I want to encourage, inspire, and educate those with #bipolar disorder and other mental illnesses and also include inspirational #quotes. I founded the group Advocates for People with Mental Illnesses and the page Mental Health Advocates United and have several social media sites that are related to bipolar disorder and/or advocacy. If you are an advocate or would like to be, I hope you join our FB group: Advocates for People with Mental Illnesses
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2 Responses to Why Young Healthy Individuals Should pay Health Insurance

  1. Pat says:

    Minimum wage used to be for the teenager and they’re first job. Now it has been the rate for the majority of jobs. Then people are kept in poverty and qualify for government services and we all pay. While very large corporations profits skyrocket.

  2. I’m from Argentina and the Health sistem here is quite different. There are public hospitals where anyone gets treatment.
    Also, employers have the obligation of paying for their employee’s “obra social”: a private provider of medical assistance and medications, for which the employee doesn’t pay anything because he’s covered.
    Public hospitals are precarious, but they won’t let you withous treatment or meds.
    “Obras sociales” provide a better attendance, every worker can access to that.

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