Why Do I Need Health Insurance?

What is health insurance?

Health insurance is a contract between you and your insurance company. You buy a plan or policy, and the company agrees to pay part of your medical expenses when you get sick or hurt. Buying health insurance helps to protect you and your family from having to pay high costs when one of you is injured or becomes ill and needs medical care. In addition, health insurance helps cover the costs of wellness care that can prevent illness and promote good health.

The cost of healthcare has gone up sharply over the past few decades. Medical bills are the top cause of personal bankruptcy in this country. Having health insurance protects your health and your financial future.

What if I don’t have health insurance through my job?

Many people get health insurance through their job. Others buy it themselves directly from an insurance company, a website, an agent or broker. If you are buying insurance on your own, you will find many different kinds of health plans that cover a wide range of costs and services. You will want to pay close attention to the benefits offered and which care providers your policy covers, as these factors can make a big difference in your costs and the quality of care you receive if you become sick. 

During the open enrollment period, you can also buy health insurance through your either a local of the Federal Health Insurance Marketplace. Get started at www.Healthcare.gov or contact a Certified Application Counselor.