It’s estimated that around 30 million Americans don’t have health insurance. This accounts for around 9.2% of the population. Unfortunately, a lot of people see health insurance as an unnecessary expense, especially if they feel they are healthy and don’t need medical care — at the moment. However, you’re taking a massive risk by living without insurance, even if you are healthy.
Why Living Without Insurance Is Risky
The following are some of the risks associated with not having health insurance.
- Expensive Medical Bills: If something unexpected happens and you need medical care, it can be incredibly expensive if you don’t have insurance. Without having a health plan, you’ll have to pay for everything out of pocket. Depending on the type of care you need, this could total tens of thousands of dollars.
- Increased Risk of Bankruptcy: Because of how expensive medical care is without health insurance, you could find yourself in massive amounts of debt if you need treatment. This could easily lead to bankruptcy and ruin your credit rating in the process. In fact, medical bills account for almost 40% of all bankruptcies filed in the U.S.
- Lack of Precautionary Care: People without insurance are less likely to get regular check-ups or screenings. This means they won’t be able to catch any illnesses early on and won’t have access to preventive care. This can put their health at risk, especially if they have a chronic condition that needs regular monitoring and treatment. Catching certain conditions in the early stages can be the difference between life and death.
- Limited Treatment Options: Without health insurance, you may find yourself limited to certain treatment options. This could mean settling for a less-effective treatment option or skipping out on necessary treatments altogether. These decisions could also have a long-term impact on your health.
Get Health Insurance Today
There are too many risks to living without insurance, even if you don’t have any health issues at the present. For more information about health insurance in California, be sure to visit us at The Benefits Store.
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