Why Health Insurance coverage is important to you and your family

With the State of the economy, health insurance often fall to the bottom of the list of priorities for many Americans. Health insurance will help protect you and your family from the high cost of health care, particularly those associated with chronic medical conditions or the need for hospitalization. Without adequate insurance coverage, you will be asked to pay for your medical costs out of his own pocket, which can be costly for you and your family.

Options for obtaining health insurance for you and your family, including:

• The plan provided by your employer. Most large companies in the United States provide some form of health coverage for employee benefits. Health insurance provided by an employer may require you to pay a portion of the monthly premium, or the overall cost of health insurance.
• The plan that you buy if you are self-employed or work for a small company that does not offer health coverage.
• individual health insurance regardless of the status of the current job. There are a number of affordable individual plans and quality available.
• The coverage provided by the United States Government. If you are 65 or older, disabled, or have little or no income, you and your family may qualify for health insurance paid by the Government, such as Medicare and Medicaid.

Get health or health insurance by using one of the above methods is important because health coverage helps people get timely medical treatment and can improve their health and lives. Individuals who are not insured receive fewer preventive services in less time. A common misconception for individuals that are not insured include the belief that they did not need medical care based on their current health situation. Not insured individuals also tend to get medical treatment, and if they received initial medical care, they tend to not recommended follow-up treatment.

People who don't have health coverage puts their health at risk, because they tend to seek medical treatment if needed because of excessive cost. In contrast to the insured, are not insured will often postpone medical treatment at the start of a medical condition, makes it more likely that conditions will deteriorate and it will cost more to treat. It is also noted that people with chronic or terminal illness without health insurance had higher mortality rates than those who obtain medical coverage required.