One of the cruelest things you can do to your children is raise them outside of the private insurance system -- not because this leaves them uninsured, but rather because when they DO want insurance, they will have absolutely no idea what they are doing. None. Medical insurance turns out to be an experiment in social Darwinism, and they will find themselves picked off the tree like a proverbial pepper moth.
It doesn't help when your child is naturally a bit lazy and predisposed to assume she understands things when she does not.
Insurance manages to engage all the things I dislike: bureaucracy... logistics... forms... I can just about gauge at what point in an insurance negotiation I'll begin to break down. It's somewhere around the $2000 mark. As in when the pharmacist pulls a deceptively small box out of the refrigerator and says "That'll be $2089.88." You stand at the counter with your wallet in your hand and think of everything $24,000 a year could buy. A car. An education. A down payment on a house. Half of your salary in twelve of those little boxes. Half of it.
Then you think of how nice it is to feel the wallet. Really think about it. Run your index finger over the ridges and the seams, over the zipper. How nice is it to walk without a cane? Is it $2000 a month nice? $3000? What would you pay? How could you decide?
"This must be a mistake. It was never this much before."
"You'll have to work it out with your insurance."
I've worked it out, thank God, but it took almost a month. And I still don't know if I would have paid.