Do I need health insurance?
Most people need health insurance, not only for extraordinary events, but also to help pay for preventive care. There are still some people who say they are rarely ill, and health insurance costs are too big if they require health services only several times during their lives. Like all insurance, however, health insurance is provided to help you, when and if you need it. Maybe you have a vehicle insurance for which you pay and never use because you never get into an accident. Yet If you ever get to an accident, you can be very happy to make payments for all those years. For example, if you are a population of Canada, the question is not really relevant. In the US, this question is very important because our medical system is primarily a private system.
There are several people who may not need health insurance. These people have unlimited wealth or so much that stay in the hospital for severalThe days of days within a few weeks did not cause serious damage to their finances. In most cases, people who are independently rich are likely to protect their assets by having a type of health insurance called catastrophic coverage. This will start after a certain amount considered deductible, usually anywhere from $ 500 to $ 50,000 (USD), is met. Disastrophic insurance, especially with high deductible, can be cheap to purchase and can adequately cover the needs of most people with large property and significant income.
For most people, however, the running of the disease in the family can cause more visitors to doctors who would not be sufficiently covered by catastrophic coverage. Several children and parents with bronchitis and ear infections could result in payments to doctors and pharmacy anywhere from the range of $ 400-800. Uninsured uninsured for visits to doctors often pay much more than insured because hospitals and doctors offer contractual amounts to insurance companies that have lowerthe price.
stay in a hospital without insurance can quickly consume most of your assets. People have lost homes, any savings and any available money for uninsured trips to the hospital. You cannot know that you will never need a hospital service unless you belong to a religious group that is anti-west medicine and does not use non-traditional or therapeutic practices that would not be covered by insurance.
Some people say they have nothing to lose, so they don't need insurance. Although most hospitals will provide emergency treatment, it has no obligation to provide continued care, rehabilitation care or anything other than what is needed to stop the current emergency. Some people die due to the lack of available doctors and hospitals who will not have Wipoj cleaning patients. In scenarios with the best case, you lose a good credit rating and you are indebted for a long time or claim bankruptcy to get rid of debt owed to hospitals.
Although you are healthyIt is not a guarantee that you will stay healthy. Young healthy people succumb to diseases all the time. It sounds very grim, but it is true. Without health insurance, you may risk your future earnings, your credit rating and your life. Such a risk is not worth it. At least consider disasters with low deductible, and if possible, try to get insurance to help cover regular visits to the doctor's office to maintain your health and treat minor illnesses.