Why do you need Health Insurance?

Medical bills are the number one cause of debt in America. Many individuals, especially those who are healthy, think that it isn’t necessary. What they have wrong is that health insurance is not about the everyday services, but rather the catastrophic events. No one wants to pay for something they do not need, but let's face it… it’s super important.

Medical expenses can be extremely costly. Health insurance helps to cover these expenses, reducing the financial burden on individuals and their families. Without insurance, medical costs may leave even the wealthiest of  individuals, seriously financially exposed. 

Without health coverage, individuals may delay seeking treatment or even forgoing treatment. It plays a key role in promoting preventative care and early detection of health conditions. An individual who carries health coverage, is more likely to seek routine check-ups, imaging, and vaccinations that can detect health issues early on. This leads to lower healthcare costs in the future. 

In addition, health insurance allows individuals to be seen in a timely manner when care is needed. It provides access to a network of healthcare providers and specialists. Without insurance, individuals may face challenges finding affordable healthcare options, or face long wait times for appointments, ultimately compromising their health and well-being. 

All in all, health insurance is a necessary investment in one’s health and financial security. By having coverage, individuals can rest assured knowing that they have access to quality healthcare services and financial protection in the event of a serious accident or illness. It is important to choose a health insurance plan that meets your needs and budget to ensure peace of mind and well-being for you and your family. Some factors to consider include: monthly premiums, deductibles, copays, coinsurance, network, and the carrier. It is important that you review and understand the insurance policy you are selecting.