Even if you work at a small company that is exempt from federal law, you might not be completely out of luck. Premiums are not paid on a timely basis. The employer ceases to maintain any group health plan. You obtain coverage through another employer group health plan that does not contain any exclusion or limitation with respect to any pre-existing condition of a beneficiary. A beneficiary is entitled to Medicare benefits.
Cost is another major factor.
The fact is, though, that if you have children, you should have health insurance to help pay for all those routine check-ups and immunizations they need, plus the unexpected emergencies. One broken wrist could set you back thousands of dollars. That is, insurers can consider the health of the applicants when deciding whether to insure someone. The IRS says you have that right. And you might not want to risk losing a favorite doctor if you have to switch plans.