Any one with out health insurance may not consider it to be of importance. Approximately 85 percent of Americans are insured, which leaves 15 percent without. For those people, it may seem easier and cheaper just to go without, assuming that no crisis strikes and there are no problems. However, this thinking could lead to a dangerous situation, since there are many unseen costs involved.
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 anyone who has children, having this insurance is necessary and vital. Children constantly need things such as vaccinations and check ups. An untreated case of a common cold could quickly turn deadly if left untreated. An unplanned pregnancy can also be dangerous for anyone uninsured, since the baby will require hospital care an doctor visits.
For those who suddenly find out they have a chronic illness such as cancer or diabetes, not being insured becomes a large problem. It is very difficult to cover hospitals, chemotherapy, insulin shots, and other prescription medications all alone.
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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