Well, naked as in without health insurance.
I’ve got quite a few friends who ski without any sort of health insurance and have done so myself in the past. My case was semi-accidental as I started out with self-employed health in$urance, which represented almost as much per month as my mortgage, and then after a year, it was raised for no apparent reason. I hadn’t filed a claim, visited a doctor or been late on a payment, yet it went up about 20% and the insurance company said that’s just the way it goes. So, I decided to cancel that policy and look for another, yet they were all pretty much the same – sizeable monthly payments and HUGE deductibles which in essence only covered major surgery. For anything as trivial as a broken arm, torn ACL or taking a ski tip in the head, you were on your own. My one week search turned into a month… then another, then another, and since I hadn’t been hurt, it started to lose its urgency.
I eventually became insured again, but for quite a few of my skiing/climbing friends, especially those on the Pro Dirtbag Tour, health insurance is about as obtainable as a new Massarti. Another factor with this is that some seasonal skiing jobs provide lodging, food and even season’s passes, but not insurance.
In Utah, there is a lawsuit which has been dragging on for years over an uninsured skier who broke his back and is now paralyzed. At first blush it seems like a standard case of taking personal responsibility, but for a growing number of people, it is becoming a choice between skiing, or being insured. To afford insurance, you can’t work a part time job at a ski area. Working a full-time job with benefits means that you won’t be skiing.
What’s the point? Nothing really (aside from the awesome photo of Courtney with his soon to be chick-magnet scar) except as food for thought.