Buying only the minimum required protection- is another choice.
This family’s lifestyle is indicative of many choices that relegated insurance to a minor concern on their part. It’s not that they could not afford it. They chose to spend their money on other things.
They are extremely dubious candidates to advocate for government subsidies and more like protoypes of typical liberal mindset that the government’s job (my job and yours) is to step in and take care of them as a result of their poor personal financial choices. At a minimum, many Mommys and Daddys choose jobs that provide health insurance.
Furthermore show me a Maryland family of 4 that makes a true $45K a year and I’ll bet there’s a state program to cover them.
“Buying only the minimum required protection- is another choice.”
Auto insurance is not the way to get one’s health insurance. Frankly, I’ve never actually seen an auto insurance quote for someone living in Maryland with personal injury protection of more than $10,000 per person. I live in Maryland and I don't have PIP of $10,000.
But I do have health insurance for myself and my family.
Many states don’t even require the purchase of some sort of PIP.
“This family’s lifestyle is indicative of many choices that relegated insurance to a minor concern on their part.”
I’m not sure that I agree. It may be that one can fault these folks for certain things.
Not getting automobile insurance that would have paid the medical costs for catastrophic trauma from a serious auto accident isn’t one of them.
As well, making sure that their children had health insurance is also not one of them. They made sure that their kids had health insurance. That’s what S-CHIP is about - getting health insurance for kids.
How they went about it is what is dubious. One wonders whether an honest accounting of their income and assets would have qualified them for this program.
That’s all that’s really in question here.
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