What Happens When You Have No Health Insurance? 
In 2014 due to the Healthcare Reform Bill , you may be penalized . However right now nothing will happen . Here 's a scenario for you since you do not have health insurance and are considered a self pay/self insured . Let 's say that you decide to go to the Doctor because you are sick or injured , your doctor 's office will more than likely work with you by giving you a discount or negotiated rate.On the other hand , ifyou went to the emergency room/hospital due to sickness or injury , depending upon if the hospital is private or not , will be determined whether or not you are taken care of or sent away to a county hospital . All hospitalsarerequired to assess your health to determine your sickness/injury severity.If the hospital you went to decided to work with you , you will be charged a lot more money than a person that already has insurance . In addition , the individuals that have health insurance are taken care of first before those that do not have any insurance . The exception to the rule is if you are in need of a life saving event i.e. heart attack , stroke , accident etc. . This is the main reason why having health insurance is very important . Hopefully this answers your question more thoroughly . 