Avoiding Debt With Health Insurance

Having health insurance is a necessary part of life. While some people may be willing to roll the dice and not have health insurance because they believe they are extremely healthy individuals, this is highly unadvised. No matter how healthy you think you are, health insurance is a critical thing that you should have. Health insurance can allow you to receive proper medical attention and preventative exams that can ensure you are healthy. Health insurance can also ensure that you do not incur mountains of debt if a tragic and unforeseen event in your life occurs.

Preventative Care

Many health plans allow you to visit the eye doctor each year for free preventative care to ensure that all parts of your body, including your eyes, are healthy. At your eye doctor appointment, your doctor will typically use an ophthalmoscope to check your eyes. They can recommend glasses or contacts for a discounted price if you need them and have health insurance. Without health insurance, you would be left paying hundreds of dollars for an eye exam and glasses.

Health insurance allows you to receive free preventive care, like vaccines, screenings, and check-ups. This means that you can typically go to the doctor once a year for your annual visit for free. You will not have to pay a deductible or any other costs depending on the health plan you have. Getting preventative care can help you stay healthy and live longer. Your doctor can diagnose you with any issues and help you combat any early warning signs, like high blood pressure, before it becomes a serious issue.

Attending annual visits to receive preventive care can give you peace of mind. You do not have to worry about having a serious medical condition because you know that your doctor performed many checks. Preventative care can also prevent you from paying high bills later in life. If your doctor determines that your blood pressure is a little high at your annual visit he or she may recommend that you walk a little more or change your diet. If you decided not to go to your annual checkup, you may realize years down the road that you have heart problems that could have been prevented.

Avoiding High Debts

Paying a small amount each month for health insurance is much more cost-effective than going into debt after something unforeseen happens. To avoid going into tens of thousands of dollars of debt, you should look at your budget and find spare money that you can use to pay for health insurance. No one thinks that they are in danger of something happening until it is too late. Health insurance can protect you and your wallet after serious things in life occur like car accidents, heart attacks, a ruptured appendix, or other unforeseen events.

Getting treated for any of these unforeseen events could cost you tens of thousands of dollars and leave you with a mountain of debt if you do not have health insurance. It could take years or decades to pay off your debt. Having health insurance gives you the reassurance that you are going to be financially and medically taken care of. You can pay a small amount to get treated and save yourself the panic of worrying about finances.

Avoiding Government Penalties

The recent health bill requires all people living in the United States to have health insurance. If you do not have health insurance you are forced to pay a penalty, which is typically a few hundred dollars. To avoid paying this penalty, you can pay for health insurance throughout the year for about the same price as the penalty. There is no reason to waste your hard earned money paying a penalty that does not give you anything in return. Put your money towards paying for health insurance and avoid having to deal with the government.

Health insurance is an important part of everyone’s life. It allows you to have peace of mind knowing that everything is going to be okay even if an unforeseen and tragic event happens in your life. You can have more financial security in knowing that a simple trip to the doctor will not leave you in debt. Health insurance can help you avoid mountains of debt.

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