For our northern cousins, an illustrative story. I was attacked by a dog and with my arm and leg bleeding everywhere my first call was to my wife to get her to come pick me up because I knew an ambulance would be insanely expensive, and my second call was to insurance to find out if I could go to the hospital instead of urgent care. They sent me to urgent care, where they told me it was the worst attack they’d ever seen that wasn’t on the face.
The kicker is that I even have GOOD insurance, but that’s the reality of not knowing if it’s gonna bankrupt you or be covered or not: hesitation. That’s the reality of having years of habit-forming second-guessing when you had bad insurance, or when with good insurance and a tight budget. Imagine what is like for people with bad or no insurance.