A Life With No Insurance

A life with no insurance can be a risky adventure.

Photo by Kleber M Ortiz from Pexels

Life is an unpredictable roller coaster, often giving us both breathtaking highs and gut-wrenching lows; it can be like a movie filled with joys, triumphs, and happy endings, and sometimes it is like a box of chocolates. Other times, life may feel like a never-ending game of dip, dive, duck, and dodgeball, where you are trying to avoid the onslaught of health curveballs. Now imagine going through this topsy-turvy journey with no insurance. The thought can make anyone’s heart race faster than Usain Bolt running the 100-meter dash. Doing so is the equivalent of setting sail without a life jacket on the open sea – somewhat reckless, slightly adventurous, and wholly unpredictable.

The High Stakes Game of No Insurance

When you live without insurance, you effectively pull out your metaphorical seat at the high-stakes poker game of life and boldly declare, “I’m all in!”. This action equates to choosing to climb Mount Everest without a guide or trying to complete a 2,000-piece jigsaw puzzle without the box’s cover image to help you. That is a bold move, my friend! But is it wise?

With no health insurance, routine wellness checkups can quickly start feeling like a rare luxury. It’s like you are a thirsty hiker passing by a clear stream but unable to drink from it because you lack the right tools to purify the water. Suddenly, those reminders from your doctor’s office to have your annual checkup feel like VIP invitations to the MET Gala. Accidents and sudden illnesses become the equivalent of coming across a bear on your way back to camp. AH!!!! And an ambulance ride might as well be a first-class ticket to a luxury cruise liner sailing straight into the sea of medical debt. The average cost of an ambulance ride with no insurance is $1,200. Yikes.

We all take great comfort in those little magic pills that cure us when we feel ill or the vials injected into us to provide the elixir of relief to help us quickly recover so we can get back to our adventures in life. Yet, with no insurance in our toolkit, we would have to consider these medications more like rare collectibles or limited-edition sneakers. Some medications cost more than our weekly groceries. “To eat or not to eat?” should not be a query that prevents us from getting our medication. Yet, lacking the proper insurance could cause us to meet such a situation.

The financial impact of being uninsured is no laughing matter. The cost of medical procedures can quickly add up and lead to enormous medical debt. With the costs of healthcare services looming over you like a dark storm cloud, you’ll find yourself deep in the trenches of volumes of studies on sites like WebMD or the Mayo Clinic, moonlighting as Dr. House and praying to God that you don’t have Lupus. Something as simple as a sneeze could lead you down a rabbit hole and ruin your inner peace like an unwanted houseguest you inadvertently let in to talk about your car’s extended warranty. All jokes aside, navigating life without health insurance can quickly become a tightrope walk over a volcano of financial instability.

The Alternative

You might want to say, “This all sounds great, but I can’t afford health insurance!” However, consider the alternative and ask yourself, “Can you afford NOT to have health insurance?” The average cost of an inpatient hospital stay (one day) is $2,883 in 2021. A ride in an ambulance can cost you more than a month’s rent. A surgery could drain you of your life’s savings. Think of insurance as a safety helmet in rocky terrain. Yes, it comes with a cost. But, without it, you could potentially lose your noggin. Think of it not as an expense but rather as an investment in your health, well-being, and peace of mind.

At Empower Brokerage, we understand your concerns and believe everyone should have access to health insurance regardless of their budget constraints. That belief is why we are committed to finding you a cost-effective solution that won’t break the bank. We offer a variety of plans, each designed to fit different budgets and healthcare needs. Our team of experts dedicates themselves to guiding you through the maze of options to ensure we find a plan that suits your needs and provides adequate coverage. Let us help you find a plan you can afford so you can get back to the adventures of life because, at Empower Brokerage, we believe that securing your future health should not come with a scary price tag.

To read about how you can stay cool this summer, click here.

Have Health Insurance Questions?

We hope that this article on life without insurance was helpful to you.

Insurance is oftentimes overwhelming, and we want to shed light on the industry by answering your questions. Comment below and your question may be the topic of our next post!

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Empower Brokerage wants to help you find the insurance coverage you need and help you save money getting it.  Stay on top of your health and give us a call at (844) 410-1320.

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About Jose Lerma

Jose has been a career agent working with Empower Brokerage since 2021 helping clients from all walks of life find tailored solutions for their healthcare needs. He is passionate about helping people fulfill their dreams and helping clients live a more empowered existence. 

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