$200 a month is dirt cheap for insurance. I pay a lot more than that for just me and that is though a local school system, and then the system pays the difference. Considering what one ER visit costs, I'd say $200 a month is a steal. If your brother didn't have that coverage, he is leaving the tax payer, or the rest of us insured folks, paying for what he didn't insure. Emergency Rooms are for emergencies. I know you don't like to hear it, but pink eye is not an emergency. Yes, it is uncomfortable and it is mildly painful but that is what an Urgent Care is for and that can wait until it opens.