Health insurance is a sensitive topic for some people, as it can be expensive to carry a good policy in the United States, with some monthly premiums approaching that of a car payment for some people. But carrying health insurance is a necessity for all Americans if you want to go through life with peace of mind that an illness or injury won't leave you in a world of financial hurt. If you don't yet carry a health insurance policy, here's why you should look into getting at least some kind of insurance before you get sick or injured.
There's a Pandemic Out There
First, not to state the obvious, but we are all living through a global health pandemic that shows no signs of ending anytime soon. While many states are providing COVID-19 testing for free, the actual treatment should you come down with serious symptoms is not free and in fact can end up being quite expensive depending on what happens to you. If there was ever a time period where it is critical for every American to carry a health insurance policy, this current moment in time is likely it.
Don't Think of What You Are Saving, Think of What You Could Lose
Yes, not carrying health insurance may save you money every month, perhaps a triple digit amount if you were previously paying a premium on a high quality policy. But instead of thinking of the extra money in your bank account right now, think about what would happen to that bank account and your entire financial future if you were to say, become hospitalized without insurance. You could be looking at a bill for thousands of dollars that will leave you in debt for years.
It Could Be More Affordable Than You Think
With all that said, one last consideration is that getting at least some health insurance might not be as expensive as you are currently thinking. If you are young and fit, you might not need to carry a top level policy. You might be able to get by with just hospitalization insurance, for example. If you are going to apply for health insurance through a government exchange, you might also be able to get a credit towards your monthly premium depending on what your income is.
Health insurance is something that should not be taken lightly. Even a regular doctor's visit can be expensive in the United States if you have no insurance at all. Contact a local health insurance provider today to discuss a plan that will work for your budget and protect your financial future in the process