There are Good Reasons to have health insurance
So your healthy as can be so you are often asking yourself are you throwing money away on health insurance premiums. Every year the premiums increase despite you have remained healthy. Honestly your lack of health insurance could be devastating!
Health insurance is very important for a few reasons. First, it is proven that those who have it get better healthcare and in turn are healthier. Second, thousands of people every year end up in bankruptcy court due to lack of health insurance.
Nobody expects to become ill. Especially those that are very health wise individuals. But sometimes due to genetics and our environment we can not stop the unexpected illness. Illness can sometimes the healthiest of the healthiest.
For these reasons it is important that we maintain at least catastrophic health insurance. Catastrophic health insurance is the bare bone minimum of health insurance plans. It is basically hospitalization coverage. Meant to protect you from the high cost of a hospital visit.
If you think you need a little more coverage but still think you can not afford full benefit health insurance on your budget, then you can opt for a saver plan. Saver plans typically have catastrophic coverage plus limited office visits, such as 2-3 a year. This kind of plan is perfect for a health nut that only see’s the inside of a doctors office once in a blue moon.
Believe it or not you can even find all inclusive plans at affordable rates. It does require some shopping and man hours. Enlisting the free help of an agent or broker can be helpful. They can quickly find you plans that match your exact need and budget.
You maybe one of those that are making a job change and will be without health insurance for only a short time. Thirty to 90 days perhaps. Just keep in mind that one day without health insurance can bite you hard in the pocket book. A better solution for this situation is short term or temporary health insurance.
Short term or temporary health insurance is just what it states. It gives you needed health insurance coverage for a short term, typically 30 days to a year. These plans are usually a fraction of the cost of regular health insurance. Well worth the money! They typically work like a catastrophic plan. But there are some that have clinic visits and RX.