i know plenty of people who (even though employed) don't have health insurance. why? not because it's not provided by the employer, but because it's a rip off and has minimal coverage. some people think they'd be better off paying for occasional medical expenses themselves , not realizing that life could be very unpredictable. there's also a wonderful term in the Health Insurance world and it's "preexisting condition". basically, if you had a condition before you became insured you have to pay all the related expenses yourself anyway. even though you have insurance. isn't it fun!!! health insurance companies are out of control!!!! we need to take a stand!