If you have just started a new job, or if your employer has provided you with information on your company’s Health Insurance plan, you may be wondering if health insurance is important for you. Do you really need to carry health insurance coverage?

The Dangers of Opting Not to Carry Health Insurance

Health insurance is critically important for anyone who is not covered under another person’s plan. Many people hesitate to join a health insurance plan because they are in good physical shape; however, this is the perfect time to get coverage. If you develop an illness or have an accident that requires hospitalization or surgery, you will find it very difficult to get coverage under a health insurance plan in the future.

Even worse, even a short hospital stay can end up costing you hundreds of thousands of dollars. If you do not have the coverage to pay for these expenses, you will be expected to pay for them out of pocket. This can be a serious financial burden – even if you are able to work out a repayment plan with the hospital or medical provider, you could end up paying for these expenses for years to come.

Health Insurance Can Help Keep You Well

Getting health insurance is also important for staying healthy. Many insurance providers will pay for a wide variety of preventative care measures, including screenings, smoking cessation, and routing physicals. These measures can help keep you from developing serious diseases later on.

Planning a Family

If you are planning to have children, you should have health insurance coverage in place. Many insurers will pay for pregnancy care, which helps both the mother and the child stay healthy during pregnancy. The child will also be covered from birth, so if there are any complications, you can at least rest assured that any necessary medical expenses will be taken care of.