While no one plans to get sick or hurt, most people need medical care at some point. Health insurance covers these costs and offers many other essential benefits. Here are some of the reasons why a health insurance plan is crucial for you and your family according to HealthCare.gov:
Health insurance covers essential health benefits critical to maintaining your health and treating illnesses and accidents. While it is important to manage your health and wellbeing, it is comforting to have something to rely on to in moments of need.
Health insurance protects from unexpected, high medical costs, relieving the stress and worry of accidents.
Covered in-network healthcare is affordable, even before meeting the deductible.
Free preventive care for vaccines, screenings, and some check-ups before meeting the deductible.
Insurance companies now offer network services costing far less than out-of-network physicians and hospitals.
A qualified health insurance plan nullifies the need to pay penalties for not having health insurance. In 2016 the fine for failing to have health insurance was 5 per person in the household, 7.50 per child, or 2.5% of total household income, whichever is greater.
Anyone with a preexisting condition can no longer be denied health insurance.
Health insurance companies can no longer cancel an individual’s health policy due to a chronic disease or discriminate against individuals with a critical condition and charge them more for health insurance.
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jennah kellen Joined: June 20th, 2019 Articles Posted: 42
