Even though many people decide whether or not to take a job and whether or not to keep a job based on benefits like a good health insurance package, not all employers offer health insurance packages. They don't have to, either. If you work for a small-business owner, for example, it's likely that you won't be able to get health insurance through your job. Unless you're married and can be added to your spouse's health insurance, you'll probably need to look into buying health insurance for yourself.
People who are self-employed or unemployed for reasons like going back to school or for other reasons will also be interested in finding individual health insurance. The good news for people who work for themselves and buy individual health insurance is that the premium is tax-deductible.
With medical costs that are already high and seem to be going up all the time, everyone needs health insurance. Having health insurance gives you peace of mind and a sense of financial security. The number of Americans who don't have any kind of health insurance is always surprising. Having health insurance protects you and your family from financial ruin in the event of a serious illness or injury, which happens all too often. Even if the health problem isn't as bad, it's still better to have health insurance to help pay for medical bills than not to have it.
Don't forget that most of us have other bills that need to be paid. When your medical bills start coming in and you don't have health insurance to help pay for them, it will be hard to pay for them all. Individual health insurance companies will probably have much higher rates and much less coverage, but if it's your last option, you should definitely buy it.
