Health insurance may not be the most exciting thing to shop for, but it’s one of the most important things that you can buy for you and your family. Here are two good reasons why. One, it saves you money on health care. Whether it’s your annual physical, emergency care, or a prescription medication, health care can get pretty expensive.
For instance, the average cost to treat a broken leg is more than $5,000. Having a baby? That’s more than $7,000. Health insurance pays a portion of your healthcare costs. In addition, health insurance companies can get you better rates for services so you’ll never pay the full amount. Uncovered health care costs even if you don’t go to the doctor that often. Accidents happen and anyone can get sick, it’s best to be prepared – it helps you stay healthy.
Checkups, screenings, tests, and immunizations all can help prevent serious medical conditions later on. The good news is that all health insurance plans cover certain preventive services at no cost to you when you use an in-network provider. Some plans even offer free visits for nutrition counseling as well as value-added wellness programs like reimbursement for gym fees and discounts on fitness gear and programs that help you lose weight or stop smoking.
So how can you get health insurance if you don’t get health insurance through an employer? You can buy it directly from a health insurance company or you can shop for a plan Through the health insurance marketplace. Worried about the cost? Many people qualify for lower monthly rates or help with out-of-pocket expenses.