Health insurance is one of the easiest ways to protect your family (and yourself) in times of crisis in the US. Unless you’re able to afford potentially crippling medical bills after a visit to the doctor, you should certainly consider investing in health insurance to give yourself some peace of mind. Here we offer you the best reasons to get health insurance.
Obviously, this is the biggest reason. The US Department of Health and Human Services reported in 2016 that the annual medical bill for each US citizen was a staggering $10,345. Although your medical bills may be relatively low right now, this can quickly change if you develop a serious condition. A decent health insurance policy will shift all (or most) of these costs to your insurance company, leaving you financially well-off in times of need.
Many of us enjoy having decent insurance plans because it allows us to have “peace of mind” that we’re going to be okay should any problems arise. Even if you are relatively healthy right now, you may have conditions which run in your family that could affect you in the future. Having health insurance in place simply allows people who are prone to worrying to relax a bit more, knowing they are going to be okay if their health should deteriorate or worrying symptoms should appear.
You’re More Like to Stay Healthy
Many US citizens who do not have health insurance will avoid visiting a doctor if they develop strange symptoms or feel unwell – they would rather save the money on the doctor’s visit, or perhaps cannot afford to go at all. As a result, they may end up becoming seriously ill or developing a life-threatening condition (such as cancer) which could have been easily prevented or caught early by simply going to the doctor.
The Government Currently Makes it Cheap
Although the Affordable Care Act by called into question under Trump, it still currently allows many families to get health insurance policies at large discounts if they purchase them through their state’s health insurance exchange. Levels vary depending on your income, but you could be entitled to sizeable tax credits every month, meaning that you will be able to protect you and your family for a few dollars per month due to government subsidies – something you would be wise to take advantage of while it’s still around!
You May Get Fined if You Don’t Have it
As strange a system as it is, you may be fined if you don’t have health insurance according to the ACA. As of 2015, adults could be fined $325 for themselves, $162.50 for their children, or 2% of their overall annual earnings, whichever amount is greater. Although a government penalizing its people for not having health insurance is a strange system, it may be their way of telling you that it’s for the greater good.
If you have a health insurance plan, you are entitled to a number of preventive health services which the federal government provides for free. For example, you will be guaranteed free blood pressure screening, cholesterol screening, vaccines, colorectal cancer screening, and much more. There are even services which help you to curb any health-harming habits surrounding tobacco and alcohol. These preventive care services are likely to help you maintain a healthier lifestyle and catch certain insidious ailments before they worsen, meaning you are more likely to be healthy going forward.
You’ll Manage Your Health More Effectively
If you don’t have health coverage of some kind, the cost of medical bills, medication, and treatment can be overwhelming and difficult to manage, leading many people to ignore their doctor’s orders because they simply cannot afford the drugs and treatment they should be seeking. If you’re avoiding surgeries or adequate drug doses because you can’t afford them, it goes without saying that you’re more likely to see your health decline, sending you into a vicious circle whereby your health deteriorates and your bills rise, making your both poor and ill.
There are many different kinds of health coverage available out there, and it can be hard to know which type of insurance is right for you. If you’re looking for affordable health insurance which protects both your body and your bank account, speak to a member of our passionate team today!