Why Do You Need Health Insurance?

You need health insurance, because no one can predict the future. Will you have a horrible accident? Will you get sick? Will you be diagnosed with a chronic health condition, like asthma, high blood pressure, diabetes or heart disease? No one knows, and that’s the point!

If you experience an unexpected health event, odds are, it will be expensive. Health insurance is a way to protect you from financial loss.

It helps cover the costs of needed medical care like doctor visits, medical tests, hospitalizations, prescription medicines and surgery. When you have health insurance, you typically pay a small part of the cost of your medical care and the health insurance company pays the rest.

If you don’t have health insurance, you pay the full cost of treating your illnesses and injuries out-of-pocket, when you go to the doctor or emergency room. This means you get a bill for the full amount of the service. This can be really expensive – for example, doctor visits, x-rays, prescription medicine and other services related to a broken bone can cost thousands of dollars.

Did you know that the number one reason people go bankrupt in the US is due to medical debt? Protect yourself and your family – get health insurance!