For those who do not have health insurance, it may not seem terribly important. As long as nothing happens, such as pregnancy or a car accident, it will be easy to get by without any serious problems. However, this thinking is immature and potentially dangerous. There are many reasons why this insurance is important and everyone should be sure to obtain it.
If you plan to simply get insured when a crisis hits, think again. Under the current health care system, anyone with a pre-existing condition has a very difficult time getting insured. No company wants to purposefully take on a sick person. So if a loved one contacts diabetes, it is going to be nearly impossible to get them insured, forcing the costs to be paid out of pocket.
For those with children, it can be dangerous to not have access to health care. Children are far more susceptible to disease and sickness than adults. A common cold can quickly turn into pneumonia or worse. If a person were also to suddenly get pregnant, paying the costs of a child by themselves is hard. There are hospital bills, doctor visits and frequent check ups for the newborn baby.
If one were to find themselves contracting an illness that could be fatal, such as cancer or diabetes, there are many more problems. There are treatments to consider, chemotherapy or insulin shots, not to mention many doctor appointments.
These cost can quickly become impossible to pay out of pocket. This can plunge the uninsured into financial ruin, giving them large amounts of debt that they could never dream of being able to pay off by themselves.
The uninsured may not realize the true importance of having health insurance. However, they should be aware of the potential danger of not having it in order to make an informed decision about their health care.
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