Having health insurance can help you manage your health care needs, as well as costs. There are health plans for almost every type of situation.
Why do you need health insurance?
The reasons why health insurance is important include:
- Health insurance helps pay the costs for medical care that you or covered dependents receive. Without it, you may pay the full cost for all your care.
- Most health plans provide you with a network of participating doctors, specialists, other health care practitioners, and facilities to choose from. These network doctors, hospitals, and others offer lower rates than those outside the health plan’s network, which helps keep your costs lower.
- Having a health plan encourages you to see your doctor for your annual check-up and other preventive care. This helps identify any health issues early before they become serious. And most health plans provide 100% coverage for certain in-network preventive care.1
Why have health insurance if you’re young and healthy?
One of the main reasons why health insurance is important is that you want to stay healthy, right? One of the best ways to help you do that is to make sure you see your doctor for your annual check-up, get your flu shot, and other preventive care. It’s covered 100% by most health insurance plans when you stay in-network.*
Without health insurance, you may have to pay the full cost of any medical care you receive, including preventive care.
Health insurance is important for other reasons, as well: if you do get sick or suddenly need emergency care, health insurance plans help cover some of those costs.2 Otherwise you may be on your own paying the high cost for care.
