How would the health insurance companies know that your in perfectly good health if you sign up online? What if somebody signed up for health insurance right after they got hurt??
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The reason for health insurance is NOT to cover your injuries unless forced to. That's what they do. Health insurance is not there for your health. Believe me, when you file a claim, they are all over you. They know people do this. They will do ANYTHING not to pay a claim. Our system really stinks! Young people like you have to gamble that they won't break anything; sometimes they lose. Health insurance is a bogus way to handle health care.
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