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Insurance in US (lemmy.ml)

submitted 1 year ago by [email protected] to c/[email protected]

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Hello,

I have a question about the healthcare insurance in US.

I have heard that it is tied to your employment and the company provides for it.

So here are a couple of questions:

Is there no way for an individual to get their own personal insurance and not be dependent on the company?
What about freelancers, business owners and retirees? Do they forfeit their insurances?

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[–] [email protected] -1 points 1 year ago (7 children)

Yes, however it’s usually a little more expensive to get the same coverage, as the employer pays a part of employee’s insurance costs.
Forfeit? No, they’ll still need insurance (you get a fine if you’re without insurance for more than 3 out of 12 months (at least, I think that was the case)).

[–] [email protected] 3 points 1 year ago

This is the first time I’ve heard about being fined for not having insurance.

Tv etc has led me to believe if you don’t have insurance you just hope and pray you don’t need to go to a&e. What about homeless people, for example? Is there something in place that issues fines to all the people who don’t have insurance at all? I’m so confused.

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