Why Must You Include Health Insurance on Your Priority List?

December 27, 2017

“Health is Wealth.”

This quote is so old but it still holds true to this day. Good health should always be one of our top priorities; even more important than material wealth.

Having a healthy life means living a life full of vigor and growth. However, health, like most things in the world, isn’t permanent. One day you feel like an amazing ball of sunshine. The next, you’re stuck in your bed because you’re sick.

Your health can be very unpredictable. You can do all your best to keep yourself healthy, but you’ll never know when the flu can strike and knock you down.

When the unavoidable happens, you need to have some extra protection. A health insurance offers you a safety net during these times. Moreover, it can be used to prevent illnesses and keep yourself in tip-top shape depending on your coverage.

You Might be Interested in: Affordable Health Insurance Information

Here are the best reasons why having a health insurance must occupy the top tier of your priority pyramid.

It is the Law

You may face some penalties if you don’t get a health insurance coverage. By January 1, 2017, you must get a health insurance if you can afford it. If you don’t have one, you may either pay an additional tax of $695 per adult or 2.5 percent of your annual income, whichever is bigger.

How will you know what health insurance to get? This highly depends on your needs, affordability and current health condition. But the least you can get is one that meets your state laws.

Each state has it own minimum coverage requirement. Your insurance policy must at least meet this guideline.

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You’re At Risk for Financial Ruins

Young people often ask, “Why do I need a health insurance when I’m completely healthy?”

Now, how can you be so sure that you are? And let’s say you truly are healthy today, are you sure that you’ll stay healthy tomorrow or the day after?

We can’t be a hundred percent sure that we can be in optimum health forever. We’ve all heard a story about a pro athlete in his prime years and in great shape but has succumbed to a medical condition. Even those who follow strict regimens to keep themselves healthy aren’t exempt from getting sick.

This is a sad reality, but this is true and inevitable.

A common cold or viral conjunctivitis infection may not need complex medical intervention. However, if you fail to prepare for something that’s more serious, like diabetes or cancer, you can face huge medical bills.

Without a health insurance to help you cover those expenses, unpaid medical bills can put you at risk for financial ruins. This will affect your credit, ability to get financing in the future and will set you back for many years.

It Provides Access to Preventive Care

Depending on your coverage, a health insurance doesn’t just cover you when you already have an illness. It also provides access to preventive health care.

Insurers have to include annual checkup coverages in their policy without obliging the policyholder to put a copay. This just makes sense. In a businessman’s perspective, the cost of an annual physical assessment is much lesser compared to the cost of treatment.

If you’re really concerned about keeping yourself fit and healthy, consider getting a health insurance. The preventive and wellness service packages are designed to help you stay in optimal health.

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You Can Live More Freely

Live a life that’s free of worries. A health insurance doesn’t guarantee a long sickness-free life. What it ensures is that you will have a safety net in case your health suddenly deteriorates.

You will have funds to cover the expenses for diagnostics, getting treatment, rehabilitation and other medical and health services. Depending on which plan you take, you’ll have a doctor who you can run to every time you feel like you’re not feeling very well. You’ve got a physician who knows your medical history and who you can trust the future ahead.

With a health insurance, you can sleep peacefully at night knowing that whatever happens, you’ve got yourself covered.

It can Save Your Life

An affordable health insurance policy gives you access to certain medical professionals, services, and hospitals which you may not be able to afford to pay upfront in case you get seriously ill.

A health insurance can be the saving grace you need to extend your life when facing an unfortunate medical circumstance. However, this does not come for free. You need to shop around and look for policies that provide good coverage without breaking the bank.

Remember, health is wealth. It is an investment that needs protection.

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