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Why do some of you find it so hard to understand that many younger people decline health insurance? I work in a company with mostly young employees and we offer BCBS for ALL full-time workers. Most of our younger employees decline it because they don't think they're going to need it. The money is more important than the security to them. I know this because I have to ask all employees who decline coverage why they are declining. And when I mention younger employees, I mean the group from about 18 to 30 years old. Maybe it's hard for some of you to believe, but there are a lot of people out there willing to roll the dice when it comes to their health. When you were in your early 20's did you lie awake at night thinking you were going to be in a serious accident or get a serious illness? Probably not.
And Bryan, your car accident scenario sounds great, but most car accidents resulting in injury are covered by auto insurance. Check your policy for a PIP clause. And injuries and in some cases, illnesses caused by work are covered by workers compensation.
Keep in mind also that if someone is enrolled in college and take full-time credits, they are covered under their parents health insurance up to age 24 in some states. These people are naturally going to decline insurance from their employer.
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