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Why healthy people should have health insurance

Accidents happen. Even if you are a healthy, young individual who rarely goes to the doctor, you can’t predict the unpredictable. You can however, make sure you are covered in the event of an accident or unexpected illness. Paying for coverage now is a small price to pay should you end up needing to see a doctor or go to the hospital in the future. Below, we outline the major benefits of getting health insurance, even if you’re healthy now.

Access to free preventive care and primary care

Under the current health care law, annual checkups, as well as preventive care such as mammograms, contraceptives, vaccinations, cancer screenings, and more, must be covered by your health insurance provider. Routine checkups can help find and treat health issues in their early stages or even before they start. Without health insurance, these free services could cost thousands out of pocket, and health problems could go undiagnosed.

Affordable peace of mind

A common reason young adults forgo health insurance is that they believe they can’t afford it. However, based on your income, you may be eligible for tax credits, lower premiums, and lower out-of-pocket expenses. In addition, there are different types of Obamacare plans that can get you the coverage you need at a lower cost. Paying monthly premiums for your health insurance could cost thousands of dollars less than paying for an unexpected medical bill without health insurance.

Responsibility – and the law

Lastly, it’s important to remember that the Affordable Care Act is still the law, and most individuals are required to have health insurance. If you don’t have health insurance coverage, you may have to pay a tax penalty.

Open Enrollment is just a few months away, so now is the time to start planning which type of coverage is best for you. If you have questions, visit or call (888) 322-7557 to speak with a licensed agent.


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