For many people the use of health insurance is very common. It can be an inexpensive way to get healthcare. There are however, certain times where it is advantageous to not use your health insurance. Getting tested for STD’s is one of those. What a lot of people don’t know is that many health insurers historically have not covered STD testing. One of my clients was let go from his Insurance just for getting tested and he came back negative. Insurance is the measurement of risk and since everyone is responsible for protecting themselves coming back positive is not showing that you are responsible. It is better to get tested confidentially and not risk your asset known as Health Insurance. You will eventually need to use your health insurance for something more serious and it is important to have it there when you need it. The low cost of paying for an exam out of pocket greatly outweigh the consequences of being kicked of your health insurance coverage or having your health rates go up.