After my previous insurance question. Is it possible in the USA to do the following with individual coverage? -

Can someone have enough money in your opinion to pay for medical problems as they show up if they have an individual insurance? Personally I consider myself a reasonably healthy individual. I just got my first insurance policy(came off of my parents) and got hit with an exclusion for just going to do some preventive healthcare. I was feeling stiff so I went in for a back adjustment. No permanent condition no nothing just preventive so I don't get something else. In the near future, when I actually finish college and get a degree, I'm looking at getting a job that pays starting salary 40,000 -45,000 a year in a city where prices are about national average. I would say that what I would make would probably be average nationwide for a location that has average costs of living. For a fact I know that most insurance plans for group coverage I would get would be worse than my current plan(maybe a lot worse). If you get a job paying $40K to $50K, they will offer health insurance as a benefit. You can get minimal coverage that has a very high deductible ($2K) which will cover you if something catastophic happened. But for check-ups and small stuff, you're on your own. Why would you want to spend your money when you could spend someone Else's money? the insurance company's money Honey, Bill Gates can afford to pay for all his medical bills - but he's smart, he doesn't. He transferrs the risk of a large loss over to the insurance companies. For a fact, most insurance plans are NOT going to be worse, if they cover your back after the first 18 months. And the bottom line is, if you DO need to go to the chiro again for your back, they were right. If you don't, what's the big deal??