Top 5 Reasons To Buy Health Insurance In 2017
It does not matter if you are tall, short, young or old. Today seems like no one can afford not to have an Insurance policy. Let’s do a quick recap:
Economy? A mess
Cost of your typical surgery? Through the roof
Probability of getting ill with America’s current diet? Supersized high
Still, people choose not to have a Health Insurance Plan because of some seemingly understandable reasons like:
- “Too expensive”
- “Fruits and veggies should do the trick”
- “Accidents will not affect me, I never leave home” (I guess physical inactivity is harmless right?)
So, enough with sarcasm, let’s check 5 reasons why you should buy a Health Insurance in 2017:
- Insurance is expensive, and not having insurance is way more expensive
If you think paying an insurance premium is expensive, think twice. A kidney transplant can cost you up to $259,000, while an open-heart surgery can cost you up to $324,000.
I know what you are thinking: “Oh but I do not need an open-heart surgery”
I am glad to hear that. But accidents can still happen, and a surgical treatment for a broken elbow can cost you up to $16,000 without health insurance.
Let’s not leave it to chance shall we?
- Time bombs
People tend to wait until their bodies fail to attend a doctor. Not having insurance sounds like the perfect excuse to postpone that doctor appointment or annual checkup.
Should you wait until your sick to start taking care of yourself? Nope.
- Benefits, benefits, benefits
Some insurance plans, like employer plans or Medicare advantage plans can give you extra benefits such as Dental coverage or even a complementary gym membership.
Other services such as prescription drugs, occupational therapy or preventive services are included.
- Free preventive care
Talking about preventive services, everything from lab tests, screenings, vaccines and care for your chronic disease is included with every plan ever since Obamacare passed.
- Avoid a penalty
You should know about this one. If you decide to go uninsured for more than 3 months you can expect to pay a penalty that would be either 2.5% of your household income or $695 per adult/$347 per child ($2085 maximum per family) Whichever is higher.
Feeling compelled to buy a plan? In that case, you can get a brand new insurance plan during the Marketplace Open Enrollment (November 1, 2016 to January 31, 2017). Or check your eligibility for Medicaid/CHIP anytime you want online.