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Why do I need health insurance?

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When you have health insurance, many of your expenses are paid when you receive preventive care services, such as yearly checkups and regular screening tests. Many medical providers and health plans will even remind you when you need preventive care. It is important because preventive care often makes it possible to identify any health concerns early, when there is plenty of time to treat the concerns and preserve your good health.

Health insurance can shield you from overwhelming financial strain, too. While medical providers keep costs down as much as possible, they are not able to completely eliminate high medical bills, especially with major illnesses or in the event of an emergency. If you have health insurance, you will have a great deal of assistance with covering your medical bills.

These two benefits—greater control over personal health and fewer medical expenses—are also offered to your family when they are a covered dependent under your health plan.

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