The question of “Why is Health Insurance a Necessity for Everyone?” has many answers but one that stands out above the rest is “It makes you feel good”. The feeling of security that comes with knowing that you have a financial buffer, should something happen to you, to provide for your family. The peace of mind is very important and in this economy, health insurance is becoming more essential for anyone who wants to make sure their family has some financial footing when times get tough.
Another reason why health insurance is so necessary is that it is an individual medical plan. It covers unexpected illnesses and injuries. It is an individual plan that is designed to cover routine care. This means that it is easier to maintain and there is less chance of large bills in the event of an unexpected illness or injury.
The other reason that it is so important is that we are all paying more and we are seeing our costs going higher. In some cases, we can find health insurance plans that offer a discount if we use their nurses, doctors and hospitals for major medical needs. We can also save money by being a member of a health maintenance organization or HMO. These two different kinds of organizations work together to provide lower costs by providing discounted rates on services.
One more good reason to have insurance is that you can save money on deductibles if you have a high deductible. When you have a high deductible, you pay the least amount of money out of pocket. The insurance premium is based on your current health status. For example, someone who is a smoker and has high blood pressure will pay a lot more for their insurance than someone who is a non-smoker and has much lower blood pressure. Insurance premium payments are adjusted on the basis of risk so by changing your lifestyle, you can save a lot of money.
The fourth good reason to have insurance is that you can get vision care much cheaper through your plan. If you visit an eye doctor very often, you will have to spend a lot of money on prescriptions, eye exams and glasses. In some cases, you will not be able to see a doctor at all because your provider does not offer the coverage you need. Health insurance can help alleviate this problem. Plus, you have a lot more control over what types of coverage you want and you are in charge of paying those costs yourself.
The fifth good reason to have health insurance is because of preventive care. In case you do not have any health insurance today, you are going to find yourself paying a lot more out of pocket for doctor visits, prescriptions and eye exams in the future. This can lead to financial issues and even health problems. So, having some protection against such issues is a good reason to have health insurance now. You never know when something bad is going to happen so it is better to be prepared.