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Insuring those with No Health Insurance

The danger of an individual experiencing an unexpected injury or illness remains, whether or not an individual has a health insurance plan that will cover such expenses. People who have no health insurance are putting themselves at great risk; in the United States alone, 16% of the population does not have health insurance, according to the National Coalition on Health Care. The majority of uninsured individuals includes people in their twenties to early thirties, ranging from low to middle income. The main reason for this lies in the fact that it is simply too hard for many to find affordable health insurance plans.

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Reasons Why So Many People Have No Health Coverage

The majority of the uninsured are employed with a company full-time and do not qualify for a state-run program such as Medicaid. It is estimated that up to 50% of people with no health insurance earn around $15,000 a year. Oftentimes, these people do not carry health insurance because it is not offered by their employer.

Most of the uninsured population is young enough not to feel threatened or at risk for a major health issue, yet an unexpected accident or illness can likely cost more than a slowly advancing condition. Nowadays, there are alternative sources and reduced insurance costs that can make it easy and affordable to have health insurance, regardless of what your income level is.

The Benefits of Having Health Insurance

People who have no health insurance are taking an unnecessary risk that can cost them thousands of dollars. For example, the treatment of a broken bone can run around $5000. This amount is drastically increased if surgery or complications arise. A hospital bill for an uninsured patient can take years to pay off.

With so many options and the dangers of having no health insurance running so high, there is no reason for anyone to remain uninsured. Which is why you have taken the first, and most important step: educating yourself on your options.

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