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Why Health Insurance Isn't Affordable For So Many

Armen Hareyan's picture

Health insurance is expensive and not affordable. This simple fact is a large reason why so many people don't have health insurance when they should. Some are fortunate enough to have employers that offer this insurance to the workers at a discounted or more affordable cost. However, many people are not. With the growing number of people starting their own companies or working from home, the lack of health insurance coverage is growing, as well. I am amazed to see how an industry that is supposed to help people actually prevents many of them from getting that help.

It's ironic that health insurance is supposed to help people avoid medical expenses, but those who need it most are denied coverage under the 'preexisting condition' clauses. If you're unable to get health insurance, you need to see what your other options are. There are discount programs and even credit lines that can help reduce or ease the high costs of medical care. It's unfortunate that health insurance is not more forgiving or affordable, but until something changes, we have to take what we are given. Take the time to shop around for health insurance if you don't have it. If you've merely been avoiding it because you know it is expensive, you might be surprised by a cheaper rate than you thought you'd get.

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You might get quotes on health insurance that are still far higher than you can afford, but at least you took the time to look. The main reason that people don't have health insurance is because they can't afford it, followed closely by those who 'don't need it.' Most people never need auto insurance or home insurance, either. However, when something does go wrong, it's a great thing to have health insurance coverage on your side.

Living without health insurance is like asking medical debt to swallow you whole. Hospital stays, doctor's visits, and even medication can get very expensive. If you don't take the time to at least consider health insurance or a discount medical plan, you're setting yourself up for failure. Don't learn the hard way and wait until you're $25,000 in debt because of an accident or sudden illness. Take the time to check out medical insurance now and see what you can do to help yourself be prepared for the unknown. I can't make you get insurance, but I would like to encourage you to try. After all, you've got nothing to lose.

Asav Patel writes for My Journey To Billionaire Club