It is never better to have no health insurance, as going uninsured exposes individuals to catastrophic financial ruin in the event of an unexpected medical emergency, severe accident, or chronic illness diagnosis. Without health insurance, individuals must pay 100 percent of hospital bills, surgeries, and prescription drugs out of pocket, which can easily trigger bankruptcy or force medical debt collections. Furthermore, lacking insurance often discourages people from seeking preventative care and routine screenings, leading to delayed diagnoses and worsening long-term health outcomes.
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