Why I Buy A Health Insurance?

 


 

A fair number of people in the US have convinced themselves that they don’t need to purchase health care insurance or want its financial protections. Therefore, they do not understand why they should have to buy it.

These people are upset because beginning in 2014, they will be required by law to purchase health insurance or be financially penalized.

Many of them have managed to get by in the past because they have not had health problems, feel they can use Emergency Rooms if serious problems arise or have been able to rely on family members to help them out financially when they get sick.

Some of them may feel they cannot afford to purchase medical coverage.

Others simply do not want to spend the money to buy it.

No matter how such people feel, it is obvious that they are being unrealistic and unfair about their attitudes because the bottom line is that everybody needs to buy health insurance!

 

Avoiding The Purchase Of Health Care Insurance Creates Many Problems

Many of these individuals have good health histories.

They have never been seriously ill or had to face the financial consequences that come with poor health.

They do not understand (or do not want to understand) that their failure to address their health care responsibilities damages the finances of other people and also has the potential of taking their own lives.

Many assume that because they've never been sick, they will always be healthy.

These are the types of attitudes and thoughts that ruin lives.

Someone commented recently that it is their own business if they choose not to buy health insurance.

Really?

If people don't protect themselves with insurance, who do they think pays when they get sick? Do these people think it is fair to put their personal burdens into the wallets of their fellow citizens?

Interestingly, it is these same people who are screaming the loudest about how unfair the AHA is when it is obvious that they are the very reason the law is requiring all citizens to purchase health insurance!

Health Care Insurance Is Your Only Protection Against Financial Ruin 

 

One day a student of mine came limping into class just before the end of the lunch hour.

I asked him what was wrong, and he begged me not to share what he was about to tell me.

He had rheumatoid arthritis.

He was 14 years old. His parents did not think he would need insurance because he was young and seemed healthy. Once he got sick, insurers refused to cover him because of his “preexisting” condition.

His parents had to file for bankruptcy because of their mistaken attitudes.

The point of this story is that illness does not discriminate.

It strikes people of all ages, and it can show up at any time.

Using youth or current good health as reasons to avoid purchasing health insurance is a serious mistake that impacts many people in addition to the person who assumes he is safe.

In this particular situation, if the AHA had been in force, the parents would have been able to purchase coverage for their son even after he became ill.

Furthermore, they would already have had it because of the legal requirement to purchase it.

Medical care Is Expensive, And Health Care Insurance Pays The Bills

Making wrong assumptions about your health or ignoring potential health problems can be costly and deadly mistakes.

Without the financial protection that comes with having medical coverage people do not get the kind of good care and medication they need when health problems arise.

Doctors do not work for free, and medicine can be very expensive.

Emergency Room care is good for health problems such as broken legs or heart attacks, but if you have Cancer an ER can only offer temporary relief.

You should never count on using Emergency Rooms as substitutes for ongoing, appropriate medical care.

1. If you cannot afford to pay for the best surgeons, you likely will have serious and sometimes deadly problems following operations.
2. If you cannot afford the thousands of dollars some medications cost, you will suffer terribly and possibly will die.

This may be blunt, but it is fact.

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Without Health Care Insurance, Your Finances And Your Health Are Not Safe

There are people all over this country who suffer every single day with diseases too horrible to imagine.

These are diseases that aren’t going away and cannot be fixed.

You may be thinking right now that this is very sad and that you are sorry so many people are sick, etc.

That is not what I want you to be thinking.

I want you to be thinking that these situations and worse could happen to you at any time, in any place and without warning.

The only one who can protect your health and your finances from such illnesses is you.

You do it by purchasing good health insurance.

So when the AHA becomes fully implemented in January of 2014, make sure you buy the best policy you can afford.

There are many reasons for spending your money on health care insurance, not the least of which is that It is the smartest and most responsible thing you can do to protect your health and your finances.