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Pot Smoking, Snowboarding, and Opting Out of Health Insurance

Posted Mar 05 2009 6:49am

pot-smoker
Dude
A few years back my twenty-something co-worker and I were bored stiff. We had already played hooky from work 7 times to go snowboarding, smoked through a five-pound bag of pot we kept stashed with the extra reams of paper in the mailroom, blown our paychecks on iPod paraphernalia, pulled three false fire alarms, filed two fake workplace discrimination claims, and photocopied our asses at least a dozen times.

Staring into our Cup-o-Soups, my co-worker had a brilliant idea: “Why don’t you resign from your position, I’ll forget to submit your COBRA papers to the government, and then you can get diagnosed with cancer without any insurance.” Dude, how novel, that sounds like fun.

Fact Vs. Fiction
‘Young invincibles’ is a favorite term used by insurance companies, and perpetuated by journalists, that describes slacker twenty-somethings in stories like the one above, who chose to forgo insurance even when they could afford it. But the problem is the story above is actually fictional, as is the notion that twenty-somethings are a tribe of well-fed slacker who don’t want to waste their money on insurance.

I don’t snowboard, smoke pot, photocopy my ass, or own an iPod. I did, however, without planning, get diagnosed with cancer the week that my co-worker forgot to submit my COBRA papers, leaving me completely uninsured. Believe me it wasn’t by choice. Believe me health insurance is unaffordable, with or without a pre-existing condition. Believe me, young adults want insurance, we just cannot afford it. ‘Young Invincibles’ are not the norm. Here’s what is the norm:

  • 46% of young adults report having medical debt, significantly changing their lives to pay medical bills, or being contacted by collection companies because they are unable to pay medical bills.
  • 73% of employed young adult accept health insurance when it is offered to them, only slightly less than the 82% of adults 30 or over.


The Moratorium

So, I’m officially placing a moratorium on the phrase ‘young invincibles’. It appeared both in the New York Times today and on CNN’s website yesterday. I’m taking a vote on what you think the name should be changed to instead:

A. Impoverished kids who get the SCHIP boot when they turn 19
B. Twenty-somethings whose bottom of the career ladder jobs don’t offer benefits and pay next to nothing so they cannot afford the steep costs of health insurance.
C. Undergrad and grad students who are going to school part-time and working part-time and neither offer insurance.
D. All of the above.

Does the term young invincibles piss you off too? How many young adults do you know who do not have health insurance because they choose not to? How many young adults do you know who don’t have health insurance because they cannot afford it or are already in medical debt?

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