Same thing happened with my front tooth. I broke a chip off maybe 15 years ago, and it's been fine ever since. My molar was different though, it had an actual hole in it (makes me twitch just thinking about it!). If nothing else, I'm sure food would have gotten stuck in it and would become an issue.

I'm glad yours hasn't hurt! Hope you can get dental coverage soon. I know how badly it must suck to not have it.