Should I purchase health insurance or not?
If you’re asking yourself this question, you’re not alone. Millions of Americans find themselves in this conundrum, and it’s easy to see why.
Health insurance typically takes care of most of your medical expenses when you’re ill. To get and maintain coverage, you pay monthly premiums, about $500. This isn’t a small amount.
If you’re uninsured, you have to pay for your treatment out of pocket. But what if you’re in good health and rarely fall sick? It’s not uncommon for people to go for several years without falling ill, after all. In this case, won’t you have wasted the money you paid to get coverage?
Well, you can make that argument, but it’s in your best interest to get health insurance, whether you’re healthy or not. Continue reading to learn why:
1. The Rising Costs of Healthcare
It’s easy to be unbothered by the rising costs of healthcare in the country if you’re in good health. For instance, did you know the average cost of a hospital stay is $10,000?
Even if your biggest reason for not getting health insurance is your young age and good health, there’s no guarantee that you won’t fall ill. Or you could be involved in an accident that causes you severe injuries. Given the high healthcare costs, you’ll be faced with a massive bill, which, without any health plan, will force you to pay out of pocket.
Seriously, thousands of Americans have gone into debt and bankruptcy because of medical bills. Don’t run this risk.
You might be spending as much as $6,000 every year on health insurance, but even if you never fall ill, the peace of mind you’ll get is priceless.
2. Routine Health Checks
It’s advisable to get routine or annual health checks.
Unfortunately, most people don’t do this for two reasons: they’re in good health or the high cost of these checks.
You see, just because you’re in good physical health doesn’t mean you’re healthy. Most diseases don’t show signs and symptoms until they’re in advanced stages. Routine checks will help catch such diseases before it’s too late.
However, if you don’t have any health insurance plan, how are you going to pay for these checks? Even if you can afford to pay for them when needed, you might have different priorities.
When you have health insurance, you have a greater incentive to get these checks. After all, if you’re paying premiums and you’re not getting hospitalized, why not put your money to use by spending your coverage on health checks?
3. There Are Different Types of Health Plans
You cannot say that you don’t have health insurance coverage because you cannot find a plan that suits your needs. There are health plans for almost every need.
Broadly speaking, there’s government insurance and private insurance. Government insurance has its limitations, but private insurance offers great diversity and flexibility. See more here.
If you do some research, you’ll find a plan that suits your health and financial situation in no time.
Don’t Go Through Life Uninsured
If you’re uninsured, you certainly have your reasons. However, it’s not the right thing to do. The benefits of having health insurance far outweigh the costs. Start shopping for health insurance quotes.
Keep tabs on our blog for more tips and insights.
Should I purchase health insurance or not?
If you’re asking yourself this question, you’re not alone. Millions of Americans find themselves in this conundrum, and it’s easy to see why.
Health insurance typically takes care of most of your medical expenses when you’re ill. To get and maintain coverage, you pay monthly premiums, about $500. This isn’t a small amount.
If you’re uninsured, you have to pay for your treatment out of pocket. But what if you’re in good health and rarely fall sick? It’s not uncommon for people to go for several years without falling ill, after all. In this case, won’t you have wasted the money you paid to get coverage?
Well, you can make that argument, but it’s in your best interest to get health insurance, whether you’re healthy or not. Continue reading to learn why:
- The Rising Costs of Healthcare
It’s easy to be unbothered by the rising costs of healthcare in the country if you’re in good health. For instance, did you know the average cost of a hospital stay is $10,000?
Even if your biggest reason for not getting health insurance is your young age and good health, there’s no guarantee that you won’t fall ill. Or you could be involved in an accident that causes you severe injuries. Given the high healthcare costs, you’ll be faced with a massive bill, which, without any health plan, will force you to pay out of pocket.
Seriously, thousands of Americans have gone into debt and bankruptcy because of medical bills. Don’t run this risk.
You might be spending as much as $6,000 every year on health insurance, but even if you never fall ill, the peace of mind you’ll get is priceless.
- Routine Health Checks
It’s advisable to get routine or annual health checks.
Unfortunately, most people don’t do this for two reasons: they’re in good health or the high cost of these checks.
You see, just because you’re in good physical health doesn’t mean you’re healthy. Most diseases don’t show signs and symptoms until they’re in advanced stages. Routine checks will help catch such diseases before it’s too late.
However, if you don’t have any health insurance plan, how are you going to pay for these checks? Even if you can afford to pay for them when needed, you might have different priorities.
When you have health insurance, you have a greater incentive to get these checks. After all, if you’re paying premiums and you’re not getting hospitalized, why not put your money to use by spending your coverage on health checks?
- There Are Different Types of Health Plans
You cannot say that you don’t have health insurance coverage because you cannot find a plan that suits your needs. There are health plans for almost every need.
Broadly speaking, there’s government insurance and private insurance. Government insurance has its limitations, but private insurance offers great diversity and flexibility. See more here.
If you do some research, you’ll find a plan that suits your health and financial situation in no time.
Don’t Go Through Life Uninsured
If you’re uninsured, you certainly have your reasons. However, it’s not the right thing to do. The benefits of having health insurance far outweigh the costs. Start shopping for health insurance quotes.
Keep tabs on our blog for more tips and insights.
