subject: Health Insurance Is Very Necessary [print this page] Health insurance coverage is many times misconstrued as sick insurance. If you aren't sick then you probably aren't thinking about how your health insurance or lack there of. Unfortunately this is a common misconception. What needs to be understood is that every person who is sick has one thing in common they were healthy right up until the time that they became ill. And it is important to realize that health insurance not only covers routine medical visits and serious illnesses but also accidents, broken bones, and other issues that may result from just everyday life.
Medical and hospital bills can add up so fast, especially during one of these types of situations, and is the reason why so many people in the US are having grave economic and financial hardships. Wages can be taken to pay these bills that will not stop adding up. You will, ultimately, have to deal with these bills in order to avoid any further means they may initiate to get them paid.
It is risky to go along without health insurance for this reason: out of pocket expenses may destroy your financial life and you nor your dependents will be covered when in need of care. If you think coverage costs a lot of money, think about the costs that could arise in the future if you do not have insurance. Even cheaper insurance may not totally cover every item, but it will lower your medical bills for things you might not have thought.
To lower health insurance payments search at work, organizations or other places to find deals and discounts. One way people save is by choosing a plan with a higher out of pocket amount, or deductible, which will lower what you pay each month. You will still cover your loved ones while saving a bit each month. But search around, because you can find good premiums that will insure people at a discounted rate.
There are ways to help reduce the expense of health insurance premiums; however, living without health insurance will be more costly in the long run. Make sure you have at the very least a minimal health insurance plan on all of your family members to help ensure that if something serious does come up that you are not left filing bankruptcy to get these creditors off your back. You may have no other choice if you build up a stack of bills that you can't afford to pay.
by: Ethan Kalvin
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