It’s open enrollment for 2023 health insurance for lots of folks — a time when you might find yourself asking: what good is health insurance anyway? One listener wrote to us about his son, a student with no income. Dad asks, If the son could get charity care (financial assistance) at his local hospital….  should he bother getting health insurance? The big picture question: If you’re broke, and can’t get insurance from work, what are your best options? The big picture answer:  It totally depends!  Do you live in a state that expanded Medicaid?What are the financial-assistance policies like at the hospitals around you?What kind of health care do you know you’re going to need?We had expert help here:   Karen Pollitz, a senior fellow at the Kaiser Family Foundation, and . Jared Walker, founder of Dollar For, and a super-expert on charity care.  If you want to go deeper:We did a three-part series on picking health insurance in our First Aid Kit newsletter. Start here. An episode from last year explored some more dos and don’ts for picking health insurance.In a 2018 episode, we talked with another listener — a “financial therapist” — who had her own deep questions about health insurance. We’d love for you to support this show. Now is a great time to do it. This month, every dollar you donate is DOUBLED, thanks to NewsMatch and the Institute for Nonprofit News. Holy cow, what a deal. Here, go for it.Here’s a transcript of this episode.Send your stories and questions: https://armandalegshow.com/contact/ or call 724 ARM-N-LEGSee omnystudio.com/listener for privacy information.