Why You Need A Health Insurance
If you happen to be among the 50 million Americans who don’t have any insurance coverage, you are probably curious to know if you really need an individual health insurance if you are still healthy and young.
While there are several smart ways for you to save money, skipping out on your private health insurance is not one of them. Based on studies, it has been revealed that people who don’t have the best private health insurance fail to receive the same amount or quality of preventive care enjoyed by those who have insurance. In fact, this wrong decision may even put them at bigger financial risk as compared to their insured counterparts.
Here are the top reasons why you need health insurance, whether it is self employed health insurance or private health insurance.
Insurance may seem quite expensive yet the truth us that it can cost you so much more.
Is there someone who know who suffered from a heart attack or has a heart condition? Are you curious to know how much an open heart surgery will cost you? Based on a financial website, it will be around $324,000.
Try to imagine adding this cost to your bills every month. An average payment for mortgage for this amount will be more than $2,000 monthly, and this is just a single procedure. This can make monthly insurance premiums look more attractive compared to the actual cost of care for serious conditions.
Everyone is affected if you are uninsured.
People with no health insurance often wait until their condition turns worst and get care from the emergency room. It will only lead to large fees for facilities and doctors that usually go unpaid. Hospitals are then forced into charging more for these services to everyone involved to regain these funds.
People who have health insurance will most possibly use this to receive annual checkups as well as other diagnostic tests to identify serious medical conditions early one when these can still be treated. The newest study revealed that people who have health insurance to back them up are found to be healthier both physically and mentally.
Your home, car and material belongings are all insured so why will you put your own health last? Home and car repairs can get quite expensive but did you ever consider how much it will cost to get your body fixed if something goes wrong?
Most people today who are still in college are those who were out of high school for several years. Good health insurance has now become a prerequisite to attend colleges or universities. There are also schools that require coverage on specific benefits.
Many are struggling to pay their monthly premiums. However, having a proper budget for your health plan is definitely more than worth of your effort and time down the road. Finding the best private health insurance or self employed health insurance can go a long way in giving you the much needed peace of mind.
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