Why Health Insurance Is a Good Idea
Dec 10, 2013 | 1394 views | 4 4 comments | 8 8 recommendations | email to a friend | print

The Affordable Care Act requires most Americans to have health insurance or pay a penalty. With all the attention that health care reform has received, you may be asking yourself, "Why do I need health insurance?"

There are a number of reasons you need health insurance. Among the most important:

It Protects Your Finances

You need health insurance because it protects you and your family from the high costs of health care. The cost of routine medical care can add up, and the cost of care for major illnesses or injuries can be extremely high:

  • The average cost of a trip to the emergency room for an adult is about $700, not including any tests or hospitalization, which may increase the bill to well over $1,000.1
  • A broken leg can cost up to $7,500.2
  • The total cost of a hip replacement can run a whopping $32,000.2

With the right plan, you can protect yourself from most of these and other types of medical bills. Being proactive by enrolling in a health insurance plan now will save you money down the road.

It Helps You Stay Healthy

Another reason you need health insurance is because it covers the expenses that come with staying healthy and preventing illness as well as when you get sick or hurt. Starting in 2014, all new health insurance plans will cover preventive care (such as cancer screenings and vaccinations) and annual checkups with no out-of-pocket costs, as long as you go to a doctor in your health plan's network. That means that you are more likely to catch health problems earlier, when treatment options will be more successful and less expensive.

It Provides Access to the Care You Need

Many people who do not have health insurance simply don't get the medical care they need. That may be because they're worried about the cost. It may also be because they don't have access to the best resources.

One of the key benefits of health insurance is access to a network of doctors and hospitals. When you have health insurance, you don't need to ignore symptoms or hope they will go away. You can get treated by a doctor or other health care provider right away.

So why do you need health insurance? In a nutshell, having health insurance coverage helps you protect both you and your family's health and financial well-being. With new opportunities to access more affordable insurance, it doesn't make sense to take a risk and go without insurance.


Blue Cross and Blue Shield of Massachusetts

Blue Cross of California

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Silence DoGood
December 11, 2013
An explanation of the cost structure of the ACA, for those who are interested. Feedback would be very much appreciated. Look forward to your commentary. Good luck.

December 11, 2013
Nothing but a scam,, The only way to make it work is to force people to buy it,, That is why you have the law requiring every one to buy it,,

But in the end we all know that will never happen,,, so the cost will continue to rise,and rise and rise,, Just a fact,,,

The only way that this is going to go away if enough people vote out the supporters of such shit as this... js,
Doesn't matter
December 11, 2013
If you have health care coverage and your job offers health care at a higher rate. Why do you need to provide them with the information on which health care provider you have? If this is a country of freedom than you should be able to decide if you want coverage or not without being penalized. This health care reform bill is not helping the people it is hurting the people! Are they serious to believe that this is a great thing smh!!!
Greedy Insurance Co.
December 11, 2013
That figures,, coming from a GREEDY INSURANCE COMPANY.. Yes we need health insurance, but we should not do with out to have it.

As far as health care services.. THEY ARE JUST TOO DAMN HIGH.. period.. That is where they should be focusing . Not forcing health care down the American peoples throat.