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There are still tens of millions of Americans who have no health insurance at all, and many more have only an inadequate policy. If driving on our nation's highways uninsured or under-insured as to auto insurance is dangerous - going day to day without health coverage is just as dangerous, if in different ways.
If you don't currently have health coverage or are coming up to a transition period in life that may require switching health insurance policies - here are some motivations for getting yourself covered as soon as possible.
1. Overwhelming Medical Expenses
The most obvious risk of not having a health policy is that unexpected accidents and illnesses can arise at any time and suddenly saddle you with overwhelmingly high medical bills. Medical bills are the number one cause of filing bankruptcy in the US today, and you certainly don't want to end up "the next statistic" in that regard.
Medical expenses can wipe out your savings, put you into deep debt (often to credit card companies), and ruin your credit history for years to come.
2. Lack of Preventative and Timely Care
When you don't go to the doctor for checkups due to the expensiveness of uncovered visits and don't go in to get diagnosed when you feel you may have a medical problem - you are more likely to get sick or get sicker.
Trying to self-diagnose symptoms, rely on strictly over the counter medicines, and waiting to see the doctor until an illness becomes almost unbearable all put you at greater risk health-wise.
3. Reduced Access to Quality Care
Only ERs are legally required to offer immediate medical care even to those with no insurance. And even then, follow up care will be difficult to get when you can't pay your bill. No insurance will mean restricted access to the care you want unless you can afford to pay for everything out of pocket (which no one can).
4. Violating the Law
Not buying any health insurance is still technically against the law under the Affordable Care Act, though the tax penalty has been repealed for the time being. You still have to answer "the health insurance question" when you file taxes.
5. Lack of Peace of Mind
Even if none of the other risk factors materialize - and they likely will, it is still worthwhile to find an affordable health insurance policy for the sake of the peace of mind it brings. Knowing you are covered ahead of time means you have much less to worry about.
These are just a few of the most important reasons why going without health insurance is far too dangerous and not worth the risk. Today's health system is built for those with insurance, so finding a good policy is a virtual necessity.
To talk to a health insurance agent and get started on finding a health insurance policy that meets your needs and fits your budget, contact Summerlin Benefits Consulting today!