Why Don't People Get Health Insurance? 
Let me expound on your question ... Why do n't people get car insurance , or life insurance or long-term-care insurance ? Some people may believe they 're invulnerable , or that they ca n't afford the coverage , or they simply do n't want to think about it . My suggestion to those people is to NOT think about the day that you 're purchasing insurance , but instead think about the day that you NEED the insurance . What will happen if there 's a cancer diagnosis and you have no health insurance ? Or if you pass away leaving your family without the ability to pay the rent or get the kids through college ? Bottom line : In my opinion , there is NO good reason why people do n't buy health insurance . 