If you don't have health insurance, you need to ask yourself why. If you're like many who simply can't afford to pay the high costs of health insurance, it's important for you to know that there are programs you can utilize that will help you get the coverage you need for your medical needs. If you've simply decided that health insurance just isn't for you, it's time to sit down with an insurance representative. In most cases, you can't afford to be without insurance.
1. You're Not Invincible
If you've been avoiding health insurance because you never get hurt, it's important for you to know that you're not invincible. Not only that, but there's no guarantee that you might not stay injury-free forever. All it will take is one serious injury to leave you looking at some sky-high medical bills, including services such as physical therapy or chiropractic care for your recovery.
2. You'll End Up Paying Fines on Your Taxes
If you're not aware of the current laws, you might not realize that failing to have health insurance can get you into some serious trouble. In fact, if you don't have health insurance, you may end up paying fines when it comes time to file your income taxes. Those fines aren't a one-time thing either. The fact is you'll be paying a fine every year that you don't have health insurance, and those fines will go up each year. To avoid taking a hit on your taxes next year, you need to make sure that you have health insurance.
3. Your Immune System Can't Stop All Illnesses
If you've been having a good run of luck avoiding those minor illnesses that go around, you might be about to run out of luck. Unless you have a perfect immune system, the chances are good that you're going to get your fair share of colds and the flu. It's just a matter of time before you need to visit your personal physician or the urgent care center. Not to mention the fact that you could end up facing catastrophic illnesses, such as appendicitis, which will require surgery.
If you don't have health insurance, now's the time to talk to an insurance agent. You never know when something is going to happen that will require medical care. You want to make sure that you have the coverage you need to ensure you receive the proper care, without breaking your bank.
When you start thinking about getting insurance, it can be overwhelming to hear the advice from family and friends. While some people might encourage you to stockpile money and insure yourself, others might warn about the expense of paying for car repairs or a stay in the hospital. However, even the most conservative financial experts talk about the importance of having sound insurance. Because it can be difficult to find the right policies, I decided to create a website completely dedicated to providing free information about insurance. Every situation is different, but if you are like most people, you will need a decent homeowners, medical, auto, and life insurance policy to protect you from unforeseen circumstances.