If you don't suffer from any chronic medical conditions, you might think that you're fine without health insurance. If you're not sick, you might not think that you need to worry about it. However, while you might not be sick right now, that doesn't mean you won't get sick later on.
In fact, you might find out that you're putting yourself at risk each day that you're without protection. Here are just four of the risks you face when you don't have health insurance.
1. You'll Pay More for Your Health Care
If you've decided to forego your health insurance, you should consider the financial costs of that decision. Unfortunately, without health insurance, you're going to pay more for your health care. Even if you just go to a local urgent care center, you could end up paying hundreds of dollars to take care of a common ailment.
You won't have to worry about that if you do get health insurance because the costs of your health care will be covered by your policy.
2. Your Medication Won't be Covered
If you don't have health insurance, you'll also likely pay more for prescription medications. You don't need to take prescription medications on a regular basis to benefit from the coverage you'll receive when you have health insurance, because you will still most likely get savings even on one-time prescriptions. But if you do find yourself in need of long-term prescription medication, you might end up paying more than you can afford each month. Before you're stuck with a prescription that you can't afford to pick up, talk to an insurance agent about health insurance coverage for you and your family.
3. You Might Miss Out on Treatment
If you're not going in for your routine health screenings because you don't have health insurance, you might be putting yourself at risk. Routine health screenings help doctors diagnose medical conditions while they're still treatable. That's why it's so important for you to have adequate health insurance. When you have health insurance, all of those routine health screenings are covered, which means you won't need to worry about the cost of staying healthy.
4. You Could Owe a State Penalty
Finally, if you still don't have health insurance, you need to take a close look at the regulations for your state. You might not realize this, but several states make you pay a penalty for not having adequate health insurance coverage. Some of those states include California, New Jersey, and Vermont. To make sure you don't get penalized for lack of coverage, talk to an agent, such as US Health Advisors - Jeff Christofferson, about purchasing health insurance as soon as possible.
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