Why Do I Need Health Insurance?

Everyone needs health insurance. Healthcare is generally expensive and in emergency situations can be completely unaffordable. Foregoing medical attention is not a reasonable option. This could lead to a worsened medical condition and more expensive treatment down the road. Emergency room care is the most expensive form of medical treatment without health insurance.

Why Do I Need Health Insurance

How Health Insurance Coverage Protects You?

While not everyone can afford health insurance, everyone needs health insurance. Healthcare is generally expensive and in emergency situations can be completely unaffordable. Forgoing medical attention is not a reasonable option as this can often lead to a worsened medical condition and more expensive treatment. Emergency room care is the most expensive form of medical treatment without health insurance, and also the most unexpected.

50% of all bankruptcies in America are a result of unpaid medical bills. Most could have been avoided if the person or family had health insurance. Although health insurance can be expensive, not having it could be devastating to your family.

Over the past year, 22% of Americans say they have steered clear of some sort of medical care — including doctor visits, medications, vaccinations, annual exams, screenings, vision checks, and routine blood work — because of the expense, according to a recent online survey of roughly 2,500 U.S. adults conducted on behalf of Bankrate. A quarter of Americans have chosen to forgo medical care because of the costs, according to a new survey.

Prices are a priority, with 91% saying that costs for medical services should be as readily available as prices on a restaurant menu. Unlike preventative care, which aims to ward off future ills, foregoing or forestalling medical care does more than just postpone addressing problems – it often exacerbates them.

As the condition of patients reluctant to seek treatment worsens, it generally requires more expensive medical intervention than would have been necessary earlier on. The main outcome measures of interest were self-reported delayed medical care, forgone needed care, and visits to a health care professional. More than half of Americans already struggle to cope with medical bills and many people forgo medical treatment to save money for their families. But by forgoing treatment, people can become sicker and even more vulnerable.

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