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@jennyj There’s a lot of middle ground between “getting in a car accident and needing surgery to repair a shattered tibia” (very expensive but not catastrophic) and “losing your job forever.” I will never advise someone to skip health insurance altogether.

@earnestq You don’t need to be a tax dependent to be on your parents’ plan. You can even be married and have access to your own health care and still be carried by your parents until age 26. https://www.healthcare.gov/young-adults/children-under-26/

@earnestq Insurance isn't really for the small costs. It's more for if you get into a car accident and end up in the ICU for six weeks, or if you're diagnosed with cancer and you need several rounds of chemotherapy. I would never recommend that anyone just skip it and pocket the money, even a...

@phamnga25 Was the other driver there? Did you leave a note? Did you take pictures of the damage? How bad was it really? There's no way to tell how this will affect your insurance, unfortunately. There are just too many variables. If it's truly minor damage, the other driver might not even...