Why Buy Private Health Insurance? 
Why buy private health insurance ? Well , honestly for a while longer you do n't have to if you do n't want to . The choice to insure has been a personal one in this country for some time . If you did not wish to have coverage , you did n't have to carry any . But here 's the rub to deciding not to have health insurance . If you have a medical need and the means to come close to paying the BILL that comes along with treating the need , the BILL will be treated as any other BILL a person receives in their lifetime . That is , if you decide not to pay it and you have assets or the means to pay it , the hospital or doctor will act just like any other entity out there and send you to collections for recovery . The people Hospitals and Doctors `` write off '' do not have the means to pay for a premium . They have nothing of value . So yes , they do get their care without charges . If you have the means to pay and do n't , a hospital or Doctor will not treat you the same way . Besides all insurance does is cover for risk you do not want to self insure for . You can either pay for an insurance policy or pay out of your assets , entirely for now , your choice . 