Everyone needs to have health insurance. No matter how big or small your family is, or even if it's just you, people need to see doctors, go to the hospital, and take medications. Health insurance keeps your costs low so you don't have to pay rising doctor and hospital bills later in life. People with health insurance can get the medical care and prescriptions they need to stay healthy for the rest of their lives. If you don't have health insurance, you have to pay the doctor or hospital when you get sick. With health insurance, you pay less, and the rest of the bill is paid by the insurance company.
With family insurance, you can plan for the future and protect yourself. You've saved your money by working hard. If you break a bone and have to go to the doctor, you might have to pay hundreds of dollars in bills. Depending on the plan you choose, health insurance will cut that by half or even less. The health of your family is important, but so is making sure you can provide for them. Do the right thing and get health insurance so that you never have to put off going to the doctor or getting help in an emergency.
If your family doesn't have basic health insurance, it can be hard to decide whether or not to take a family member to the doctor. You might not go to the doctor for a sore throat, fever, or other problem because you don't want to spend money on something that the doctor might or might not need to treat. If a family member doesn't have health insurance, they may end up being sick longer and suffering more. Make it easier for your family to decide. With health insurance, you pay the co-payment or deductible, and that's it. They get the care they need for their problem.
Not all health insurance has to be expensive. You can easily find health insurance that fits your budget. You just need to look into it a little bit. Find out what you need insurance for. If you don't mind paying for doctor visits and want protection against huge hospital bills, your insurance premiums could be less. If you choose a higher deductible, such as $1,000, your payments will be lower than those of people with a $250 deductible. Play around with the numbers and compare the different kinds of insurance to figure out which one is best for you.
