Why Health Insurance is Needed

I believe you have heard it before, health is wealth. No matter what you think I suggest you to believe this statement since health is probably one of the most important aspect in our life. And due to this reason, we should make proper financial plan related to our health since we can get help problems anytime.

Usually people refer “health plan” by having healthy life style, and this is true. However having proper financial plan is also very imprtant since we can get sick anytime. And when the time is come while we are not financially prepared, the problem can become getting worser. Not only we suffer from the illness, we will also have to face other problem, unpaid bills.

Most Americans are aware of the importance of getting a health insurance. However, there are still Americans who do not have healthcare coverage because of a variety of reasons and one of them is the increasing cost of health insurance.

The price of healthcare in the United States is on the rise and majority of American families can no longer afford it without a health insurance. The cost of healthcare has been on the rise because of the number of people getting in and out of hospital annually. It seems that the unhealthy way of life of most Americans plus the increasing number of old people in America are pushing the demand for healthcare to the limit.

Research shows that at least half of the American families could not afford health insurance because of insufficient income. Most American employees who annually earn no more than fifty thousand dollars work for small businesses that do not offer health insurance or coverage.

There are existing health coverage programs offered by the government like Medicaid but there should be more effort to educate the people about these programs. Some people who may qualify for the government health programs are not aware of the existence of the program and how to qualify for that program. More often, the bureaucracy is also one of the reasons why some Americans have not availed of the health programs.

Responsible parenthood means providing healthcare not only for the parents but also for their children. The government offers free and low cost health programs for qualified children of Americans as well as for children of immigrants. Such health programs provide coverage for a variety of health expenses like medicine, fee for doctors and even payment for hospitalization.

Every family should be aware of the importance of healthcare coverage. Thus, every family should invest in a quality healthcare program especially at a time when the parents are still able to work and pay for the proper health insurance. Otherwise, families who cannot pay for health insurance but are qualified for State healthcare coverage should start researching on the different government health programs and apply for the program which suits them.

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