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Do We Need Health Insurance?

"Do we need health insurance, or could we live without it?" is a question that people often ask themselves, and the answer will probably differ, depending on who's being asked. A person that's relatively young, healthy and reasonably fit would probably argue that they don't have to worry about health insurance, and they may not see the point in paying a monthly premium when they haven't needed medical care in a couple of years. Medical insurance is a lot like insurance coverage for your car; you pay your bill every month, but because you're careful, you've never needed to make a claim. But, no one knows what tomorrow brings- accident, illness, or injury could put you in danger.

Those that live in countries such as Canada, France, Norway or the United Kingdom have a bit of an advantage. People in these parts of the world get free, government-provided health care. However, residents of the United States don't have such a luxury. The great majority of health care expenses are privately paid for, either out-of-pocket or through a health/medical insurance plan. Medical bills can become astronomical, and you need to consider purchasing health insurance as a means of preparing for the unexpected, whether you're young or old, in good or poor health.

There are a lot of choices to be made when it comes to buying health insurance. From the most basic plan for an individual, to a plan that covers a large family, the number of options can be almost overwhelming. Most people don't know what kind of plan (such as a managed-care or an indemnity plan) will best suit their needs, or whether they should select a PPO, HMO, or POS plan. Adding to the confusion are group health insurance plans, such as those provided through employee benefits programs, and supplemental insurance plans that fill in the gaps. Those in poor health should make every effort to get health insurance, but will most likely face an uphill battle as a lot of insurance plans do not insure those with conditions defined as pre-existing.

Even if you think you are in good health and aren't worried about anything happening to you, health insurance is something you should have. Buying health insurance for yourself or your family can be difficult- it's not as easy as making a phone call or submitting an application, and it can involve a lot of time, effort and research. Despite the tedium involved in buying health coverage, it's a task that should not be put off. Everyone needs health insurance, and it's better to buy it now when you don't need it, than it is to be paying those high medical bills for years afterward.