No Health Insurance on Purpose?

Posted by Mrs Money on November 3rd, 2009


I have a friend that has a husband and two kids. They live what others may call a pretty radical lifestyle. They eat all raw organic foods, she has dreads, and they don’t take any conventional medicine.  She works from home, and her husband has a business.  When someone questioned her on her blog about health insurance, she stated that she doesn’t have it and doesn’t plan on getting it.

Throughout her last pregnancy, she was seen by a midwife.  The baby’s delivery was a successful homebirth.  They are making payments to the midwife for care.  The baby doesn’t see a doctor and won’t receive vaccinations, so that won’t be a problem money-wise.  She believes that their food is medicine and that they will be able to prevent many illnesses and cure anything that may come along naturally.

While I am semi crunchy, the thought of going without health insurance scares me. I would worry that one of the kids might break something, or need stitches, or something else health related.  Pretty much anything medical is expensive!  I do believe that food is medicine, and I strongly believe in herbal and natural supplements, but having that safety net and peace of mind that is health insurance is invaluable to me.

Could you choose to go without health insurance?

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14 Responses to “No Health Insurance on Purpose?”

  1. Kacie says:

    I am sure that living a natural, healthful lifestyle will reduce that family’s risk of illness and disease. But it can’t fix everything.

    I think it’s a bit irresponsible not to carry some sort of policy, maybe one that just covers catastrophic illness. Because what would they do if one if their kids was in an accident (heaven forbid!) and required lots of surgeries/rehab/etc.?

    That would bankrupt them.


    Mrs Money Reply:

    That’s what I think. It scares me to think of not having health insurance. I would hate to have that stress of knowing my family wasn’t covered in the case of an emergency!


  2. Tegan says:

    In Australia it is somewhat mandatory to have private health insurance of some form. We get a subsidy back when we do our tax return for having it, and if you don’t have private health insurance, then you actually have to pay $$$ to the government. This applies to the general working public, pensioners and people on welfare have exclusions.

    Whilst I have grown up with this, and don’t really know any different, I like the peace of mind that comes with having private health insurance.

    As a side note, I am rather horrified that your friend is not getting her children vaccinated. Diseases that have been successfully eradicated from society (i.e. smallpox) is due to vaccination programs. Current vaccinations are in place for a reason, and I’d hate to think that people’s ignorance of modern medicine’s place in society will be to the detriment of their children, who aren’t capable of making an informed decision about their future welfare (at that time).


    Mrs Money Reply:

    That’s great! I think Australia’s got a pretty good grasp on things!

    I think she believes there is more harm in getting the vaccines. We’ve never really talked about WHY she doesn’t vax.


  3. Netanya says:

    Although I understand her way of thinking, there are no guarantees in life. Any thing can happen, and I certainty appreciate the security healthcare provides for me and my family.

    Money Hackers Blog Ambassador


    Mrs Money Reply:

    I agree- I like the peace of mind knowing that my assets are protected. I don’t want to lose everything I have because I can’t pay a medical bill!


  4. Miss M says:

    I love hippies, except when it comes to stuff like this. Personal responsibility still exists, even if you think nothing will happen to you. The fact is, if they are low on the income scale and something happens to them or one of the kids, you and I will be the one paying for it. They can’t deny emergency medical care even if they are uninsured. Then those of us with insurance pay a higher cost to offset the losses they take on the uninsured. With vaccines, if everyone around them is vaccinated they may be OK. But there are enough parents skipping vaccines now that diseases that were once unheard of have made a return! Kids are once again dying of the measles for absolutely no reason. Yes there is a risk with vaccines, but there is a greater risk with not being vaccinated. Finally, organic food is great for the environment, it’s the best thing for mother earth. But as far as nutrition and health is concerned there isn’t much difference. Organic produce still has a high level of pesticides, they are “natural” pesticides which have many of the same effects on the body. Did you know that in the absence of manmade pesticides that plants will produce their own to protect themselves, which are internal and cannot be washed off.


    Mrs Money Reply:

    Wow, I did not know that. That is really interesting! I guess I’m kind of middle of the road like you. I agree in a natural lifestyle, but there are reasons for modern medicine. 🙂


  5. Well, I would disagree with most of the above commenters.

    My husband is self-employed. The least expensive health insurance we can find is $20,000 a year, with a $10,000 deductible. NO ONE will cover pregnancy on any self-employed policy; it’s not even available.

    We have 5 children. I pay out of pocket to my midwife.

    Despite three trips to the hospital in the last three years (including a broken arm for one child, which cost $6,000), and the birth of two children, our medical costs have been less than we would have paid for insurance for one year.

    When you’re self-employed, you pay both sides of the policy–your costs, the premiums, and the out-of pocket costs on top of that.

    And the $20,000 policy? That’s for catastophic situtions; not even an every day type of policy. I still pay out of pocket for dental and eye exams and procedures as well.

    County health departments will give vaccinations for $10. The doctor’s office costs $80 per visit (with the uninsured discount), plus the cost of the shots, which can be up to $110 EACH.

    While I would love to have health insurance, it is way too expensive. Forcing me to buy health insurance (at a minimum of $15,000 per family–and I have a bigger family than some– according to the bill that the House passed that is in the Senate now) is not going to make health insurance affordable for me. It just makes it impossible for me to provide basic neccesities, like food, clothing, and shelter.


    Mrs Money Reply:

    WOW. That is SO EXPENSIVE! That makes me so sad that it would cost you that much. I wish there was an easier way for you. I am so glad that things have worked out well for you so far. Thanks for stopping by, and for your comment!


  6. I’ve been thinking: Isn’t it odd how we comparison shop for so much, but we never know the costs of health care procedures and treatments? How come I don’t know the cost of a test or an office visit? Why do I hesitate to ask “Why?,” “How much?” and “Is it necessary?” I got a kick out of this fun, short video. Check it out. It makes you wonder why out health care system is set up the way it is.
    What do you think?


    Mrs Money Reply:

    That is a great point! I think this video is awesome. I hope things change for the better soon!



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