Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Can afford health insurance but refuse to buyWith over 46 million uninsured Americans, you may be wondering how many people can afford health insurance but refuse to buy it? An estimated 2% of uninsured Americans, that’s 92,000 people, can afford health insurance but refuse to buy it.

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This statistic is surprising to most people, and you may be wondering why someone who can afford health insurance would refuse to buy it. The following article will provide additional information as to why certain people refuse to buy health insurance even though it fits into their budget.

Why don’t people who can afford health insurance buy it?

One reason people who can afford health insurance don’t buy it, is because what looks like affordability on paper, does not translate to real life. This means that when the statistics are gathered for those who can afford insurance but don’t buy it, all that is taken into consideration is income level.

For example, say a family of four makes $65,000 per year. By just looking at this income level it would seem like the family could afford insurance, however, after further investigation this family is shown to have over $100,000 in debt. Their debt to income ratio prevents them from being able to actually afford insurance. This skews the statistics slightly.

Another reason why people who can afford health insurance don’t buy it is because they simply don’t want it. Statistics show that some of these people feel like they are healthy enough to go without insurance because they don’t seem to need medical attention on a regular basis.

Statistics also show that a small percentage of the voluntarily uninsured have enough money to pay for all their medical expenses out of pocket. They prefer to take the risk of having to pay out of pocket than to carry a traditional health insurance policy.

Some people who can afford health insurance refuse to buy it because they use an alternative method of health care. One alternative is a faith based health provision company. This type of company asks members to send money to other members to pay for medical expenses as needed.

So instead of money going to an insurance company that may never be used, it goes towards helping someone in need and the favor is returned as needed. Another alternative is overseas healthcare. Some people are finding more affordable alternatives in other countries and travel for treatments and even surgery as needed.

Another statistic regarding those who can afford health insurance but refuse to buy it reflects an age bias. A portion of the voluntarily uninsured are young (under the age or 30) and healthy and feel invincible. They think that health insurance is for the middle aged and elderly. In some cases, no one has ever showed them the need for health insurance coverage.

Some of these young people don’t fully understand how much medical bills can amount to, especially in an emergency situation. None-the-less, they choose to go without insurance and spend their money elsewhere.

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What is in store for the voluntarily uninsured in the future?

The voluntarily uninsured will soon not have the option to be uninsured under the new 2010 health care reform bill that has come to be known as ObamaCare. Under ObamaCare, beginning in 2014, everyone who can afford health insurance must carry health insurance. They can choose a minimal plan that covers the basics, but if they choose not to do so, they will be fined $95.

As each year goes by, the amount of the fine will increase. The law allows for this until 2018. After 2018, the law does not specify if the fine will continue to rise or if other consequences will come into play. Some people believe that it is unfair to force people to purchase a health insurance plan. Others believe that less uninsured people will lower the national costs. However, it will be up to each individual to plead their case, if they believe a traditional health care plan is not for them.

If you are one of the many voluntarily uninsured who are considering purchasing health insurance or are just looking for a new plan, consider using the online comparison tool. This unbiased tool allows you to see rates and quotes from top companies side by side. Once you gather information from the online comparison tool, you can choose a company that you feel will provide you with the best overall health care plan.

It’s so simple to enter your zip code into the free health insurance quotes tool provided, why not do it now?