8/21/2025
2. You Lose Negotiating Power
Insured patients benefit from their insurer’s negotiated rates. Without insurance, you’re billed at the provider’s full retail rate—which can be 2-5 times higher.
3. Skipping Preventive Care Can Cost More Later
Without coverage, people often delay check-ups and screenings. That can lead to:
- Late-stage diagnoses
- Higher treatment costs
- Worse health outcomes
Example: Catching high blood pressure early might mean $10/month in medication instead of thousands in emergency care later.
4. Medical Debt Can Haunt You for Years
Medical bills are a leading cause of bankruptcy. Even if you work out a payment plan, large debts can damage your credit and limit financial opportunities.
5. Alternatives to Going Without Insurance
If Marketplace plans feel too expensive, there are other options:
- Private PPO Plans – Often lower premiums for those without subsidies.
- High-Deductible Plans – Pair with an HSA to save on taxes.
- Catastrophic Coverage – For worst-case scenarios.
Case Study
A self-employed carpenter skipped insurance for two years to “save money.” A workplace injury led to surgery and a $48,000 bill. Even after negotiating, he owed $29,000—more than he would have paid in premiums for five years.
Final Thought: Being uninsured isn’t really a savings strategy—it’s a gamble. Affordable options exist, and the right plan can protect both your health and your finances.
Need help finding a plan that fits your budget? Call (716) 503-1113 for a free consultation.