Should I go without health insurance for a year?

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My G.Mom has had a life insurance policy 4 yrs. why is it only worth $500.?

My grandma is 91 yrs. old She's been paying on this same policy long befor I was born , and I'm 55 yrs old. I need some answers.This all seems like a big "rip off"....

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Additional Details
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li5br2a

Should I go without health insurance for a year?

Next month I am about to go through open enrollment through my employer. This year health insurance was expensive. The took about $120 out of my pay check. To get more income next year, should I skip health insurance for at least one year.

In answer to your question . . . NO, NO, NO & NO. DO NOT go without health insurance. The $120 you pay is a minimal amount to pay for peace of mind. Money is tight for EVERYONE right now. The economy is terrible. I know how hard it is to keep up paying bills but please keep your health insurance. I work as a Director of Human Resources for a company in Manhattan and I could tell you some very hair-raising horror stories about what happened to people who didn't have health insurance. Don't think it's not a big deal because you're young. It is a big deal at any age. Do yourself a favor and hold on to that health coverage.

Firefightin' Momma

NO. NEVER! You do not know what could happen. A year of gambling with your health is not a smart gamble at all. Oh sure - you saved money for a year....but what if something did happen....it would break you for good.

Insurance Pickle.com

I could tell you to get a psychic reading to see if anything would happen to you....but I won't.

Why don't you look into indiviudal coverage because it's usually about half the cost.

http://www.InsurancePickle.com

Diana

No no no no no! I was without health insurance for a year and it almost crippled me. DO NOT cut back on your health insurance. Even if you don't use it that much, it is a life saver just in case you need to start going to the doctor.

dave k

Many factors unknown to fully answer that. Are you Single? Are you Healthy? Dependents that need Health Care? Family Health History? Age?
I would venture to say NO....don't drop it. Some companies have several plans though check and make sure you have the low level if you are that hard up for cash and a very healthy person.

tom h

If you are under 30 with no family/kids and your job doesn't involve anything more than sitting at a desk then ya you can if your in that much need of cash. BUT only if you're not going to spend it on beer and pizza. This is a big gamble and it must be worth it

santosh53

Health insurance is a provision against contingencies. Are you very sure that you will not fall sick during the next year? I have never known any such person in my life who can successfully predict a 100% healthy life. According to me, it makes more sense to pay a small amount from your hard earned kitty as insurance premium rather than repenting later just in case such a contingency does arise at the least expected time.

jm8783

no. get insurance from another place and not through your company. its gonna be a little pricy but you should be able to find it better than 120 a month.

Rell A

yes........

Amy

If you are looking for something cheaper let me know I know of a alternative! But to answer your question...no!

lstephenr@sbcglobal.net

A recent trip to the emergency room for a cut finger and one stitch cost about $1200. My suggestion is that you find another area to cut back instead of this insurance so that you can have the peace of mind to know that if you are sick or get hurt you can get the care you need.

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