 [ Symptoms ] do you have to buy health insurance from the exchange [ Disease ] well those are two good reasons a doctor is office is not the cleanest place in the world actually one of the most potentially contaminated places and of course the lack of health insurance is a barrier you cannot force a person adult to seek medical care but you may be able to encourage her to see a counselor to help her deal with her fear of germs she can wear a mask avoid touching anything unnecessarily not use the clinic bathroom avoid shaking the doctor is hand and use a hand sanitizer but in the end the decision to see a medical provider is hers and hers alone