Do I need Health Insurance?
Yes, every American needs and deserves health insurance. Health Insurance is one of the most important things that you should make sure you have at all costs. Health Insurance protects you in that it provides coverage and pays for expenses for healthcare costs when you are sick or need treatment. The real reason for having health insurance is for the future for an catastrophic event that may happen. If you or your family is sick or is an accident and needs expensive treatment, the bills could go as high as or over $ 1 million dollars. If you do not have health insurance and you do not qualify for state or federal aid then you or your family member could be denied life saving medical treatment, such as a heart bypass procedure, organ transplant, or even cancer treatment.
Also, an emergency could happen where you find you or your family in the emergency room with a emergency room bill from $20,000 to as high as $100,000 for just a 24 hour period of time. Not having health insurance under any of these circumstances could bankrupt you or simply deny you access to your needed medical treatment.
You should figure out the best way to receive health insurance, from finding an employer who provides it, to buying a high deductible health plan, which has lower monthly premiums but will protect you and your family from catastrophic medical expenses.