Roughly 50 million Americans remain uninsured as of 2016, and you may wonder why individual health insurance is so important if you are one of that number.
This is a particularly pressing question of people who are still young and healthy. After all, young adults feel that they are less likely to become seriously ill, but this is not always the case.
There are smart ways to save money, but skipping out on health insurance is not one of them. Cheap health insurance is available for people of all ages, and studies show that uninsured individuals do not receive the same quality or amount of preventative care that those with insurance receive. This may also be putting you at greater financial risk than your insured counterparts, especially if you find yourself in need of a hospital stay or trip to the emergency room.
Therefore, you cannot fail to get cheap health insurance as soon as possible. By doing so, you protect yourself and your wallet from sudden expenses and health issues that would otherwise be impossible to handle. In addition, being seen and diagnosed is only one part of the equation. After a problem becomes apparent, you must also be treated, and treatment costs are higher in America than they have ever been in the past.
Spend Some to Save a Lot
Cheap health insurance may seem as if it is an unnecessary expense each month, but that small payment you make now will save you thousands in the future. How many people do you know with a cardiovascular condition or who have had a heart attack? The cost of having an open heart surgery can total in the hundreds of thousands. Now try to compare the cost of paying that off each month as opposed to the small monthly fee for cheap health insurance.
It Impacts More Than You Know
People who do not have insurance tend to wait until their conditions are at their worst before receiving medical care. This results in large bills from doctors and facilities that often go unpaid. To recoup those funds, hospitals are often forced to charge more for services to everyone across the board. In short, your choice to pick up a cheap health insurance policy will help to reduce medical bills for everyone. This is something you cannot fail to consider when looking at policies and it is important to remember that new legislation has made it easier for people to get policies that are affordable and fair.
Those with health insurance are far more likely to use it for receiving annual check-ups and other diagnostic tests that catch problems early enough for successful treatment. Without insurance, you may be tempted to skip your annual exam to avoid the added cost, which may put you at risk. Tumors do not grow overnight and the right tests may be able to catch them before they spread and become cancer. Other conditions may lay dormant in your body for years, sometimes decades, before showing signs, while others show signs of one problem but are actually far worse. Recent research has discovered that people with insurance were found to be mentally and physically healthier due to the fact that they were more likely to get preventative care from their family doctors.
You Deserve Protection
In some cases, not being insured can cause a hospital to give you a lower priority or avoid certain tests that are costly for them to perform. This may cause you to wait long periods of time for diagnosis or to be sent home without any real answer to the problem that sent you there. While an emergency room should treat all incoming patients with the same unbiased treatment methods, it is unfortunately true that a hospital must try to save money where it can to afford other aspects of running its facilities. By insuring yourself, you ensure that you are always given the best care possible while saving money in the process.
Many struggle to pay monthly premiums but budgeting for a health plan is well worth the time and effort in the long run. Your first emergency will quickly make that obvious when you are given a bill for just a few hundred dollars rather than one that is $10,000 or more. Car accidents, sudden heart attacks, strokes, work accidents, and more are never possible to predict ahead of time, making insurance your best option.