Health Insurance

[Kar10]

I apologize if this is a silly question but.....

I have insurance right now because my husband is in the military. He gets out in a few weeks and we will lose the insurance. I begin my first CNA job on June 16 (I'm currently an RN student) the job will be 15 hours in a 2 week time period, obviously making it part time. Do I need health insurance to practice as a CNA?

[nurseprnRN, BSN, RN]

His premium may be zip zero nada, but someone is paying for it....namely people like me who make too much for a subsidy but too little to afford a really good plan.

Every insurance you buy, including for your car, your house or apartment, and your life, is sold based on that model. Spreading the risk to more people makes it possible for claims to be paid and the company to make a little extra for their expenses and their shareholders profit. People really have to understand this, the basic premise of insurance, which goes back to the origins of commercial insurance hundreds of years ago (yes).

Health insurance is no different whatsoever. As with your car insurance, you can choose your deductible, your coinsurance, and your coverage to fit what you can afford and to suit your own risk tolerance. The difference is that even in states where you are required to have car insurance to get plates, there's nobody subsidizing your premiums by law if you can't afford them at all. There's no "Obamacar."

[duskyjewel]

Except we can get competitive rates on car insurance, life insurance, etc. because the companies can sell across state lines. Doing the same with health insurance would make rates a whole lot more competitive. But when Republicans suggested that among many other reforms , the other side claimed they had "no plan" and "no good ideas" and said they'd have to get in the back of the bus.