Top Ten Reasons You Need Individual Health Insurance Today

If you don't already have individual health insurance, you need to consider purchasing a medical insurance policy as soon as possible. Below are the ten reasons why your individual health insurance isn't something you can afford to put off any longer.

People without medical insurance have to worry more about their health

If you have individual health insurance, you know you'll be able to receive the treatment you would need if something were to happen to your health. Without that safety net, you have to live in perpetual worry about what could happen if you needed surgery or an extended hospital stay.

Not having individual medical insurance limits your treatment options

Some medical facilities won't treat you if you don't have medical insurance or if they do they'll expect a large payment on the day of service. You may also be limited if you need physical therapy, X-rays, or follow-up visits which just add on more costs you can't afford.

Fewer employers are offering medical insurance benefits

In the past, most people just purchased group medical insurance through their employer but that option is fading. Instead, you need to find individual health insurance that meets your needs now instead of hoping to some day work for an employer who will provide a group health insurance plan.

Hospitals and medical care facilities require significant monthly payments

If you think you'll be alright without medical insurance because you can pay off your bill over time, think again. Most of these facilities demand large monthly payments because they want the bills paid off quickly. For example, one man who owed less than $1000 was told to pay more than $125 per month towards his bill to avoid having it turned over to collections.

Pre-existing conditions may not be covered

Although the HIPPA laws do provide some protection if you're switching from a group or individual health insurance to a group plan, you won't receive any protection if you are already uninsured or if you are switching from one individual health insurance plan to another. That means if you wait until you develop diabetes or until you have an accident that permanently damages your knee your new medical insurance won't cover future needs related to your pre-existing condition.

Medical facilities want to tack on high interest rates to your bill

Uninsured patients today are often being told to take out lines of credit through firms, such as GE Consumer Finance, to cover their medical expenses. Unfortunately, those companies charge interest rates of almost 20%, regardless of the patient's credit history.

Uninsured individuals are less likely to take the medications they need

Prescription costs are constantly increasing beyond what the average person can afford, but medical insurance plans can sometimes help make those costs more bearable. The bad news is if you don't have individual health insurance you may end up being unable to afford your medications and may end up jeopardizing your health.

If you don't have medical insurance, you probably aren't receiving the preventative care you need

Those people without individual health insurance coverage are more likely to skip annual check ups, breast exams, and vaccinations which can be critical for their future health and wellness.

Medical debt can lead to ruined credit and bankruptcy

More and more Americans are being forced to file bankruptcy thanks to medical debt usually incurred because they did not have individual health insurance. A single trip to an emergency room can cost $600 to $700 without an ambulance ride. An outpatient surgery can cost thousands.

People who have medical insurance are more likely to receive the health care they need

If you have to worry about how to pay the bills for your treatment, then you're more likely to put off that treatment until your health deteriorates badly which means you'll either end up requiring more costly treatments or you'll be too late for treatment.

Individual health insurance is not something you can choose to buy later. If you keep waiting to find the medical insurance coverage you need, you may end up waiting until it's too late.

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