Choice Enrollment Blog
A lot of active and young people are skeptical about getting life insurance, accident coverage, and health insurance. They would rather use the money on the latest gadget, a trip to the beach, or a night out on the town.
These are all fun things to spend money on, but health insurance is a far better investment in the short and long-term. Here are some justifications on why you should get health insurance even though you are healthy and young.
1) You never know when you can get a critical illness.
When you’re young and healthy, it’s hard to imagine getting sick. However, I'm sure that you have a friend, relative or friend-of-a-friend who has been diagnosed with cancer, had a heart attack, experienced a stroke or had a major accident in their late twenties or early thirties.
There is a hard fact that even active and young people can get a critical illness. Even famous Hollywood actors and actresses have to deal with this problem and there’s nothing different about you.
You may always think that it will not happen to you but most of the people who got sick at a young age thought the same thing.
2) Prevention is always better than a cure
Check-ups and preventive care such as mammograms, X-rays, endoscopies, etc. are important even if you regularly jog, go to the gym or exercise every day. Do this even if you are in multi-sport disciplines, joining marathons and attending Pilates or yoga classes.
It’s always better if you identify health issues early because treatments are easier and cheaper. It makes things possible for you and your loved ones to get treatments soon in case you get the diagnosis of a critical illness. It can be the difference between life and death!
Health insurance also prevents the financial stress related to any critical illness. A friend or relative who got sick may become worse when they could no longer afford the payment of hospital bills. It could lead them to sell their car or house and borrow a lot of money. It may even make the kids stop going to school.
Get a health insurance soon to spare yourself from becoming a financial burden to your family.
3) Health Insurance gives more than just emergency care.
People who do not have insurance may receive less preventive, follow-up and medical care. Health insurance will cover emergency care and also follow-up care that may not be covered by other benefits.
It is important to have rehabilitative care to get back our body's full functions like they were before the accident or sickness.
Health insurance ensures that you will get the best care after hospital confinement.
4) Investments in health insurance are similar to other financial investments.
We may not know it, but health insurance investments are like financial investment accounts. It can protect your savings as well as you and your family.
Having cash, the bank or your stock market is not enough if you are still trying to build financial wealth. A grave and sudden illness can lead to financial ruin and catastrophic costs.
If you become ill without health insurance, your last resort may be the liquidation of your financial investments that may disrupt your quest to achieve your goals. If you get it while you're young, you may have lower premiums. Coverage may be more expensive when you feel your body's aches and pains and start aging. Consider it an "early bird" discount.
It is important for the lives of us and our family to have health insurance. We may not need it now because we think we are healthy but that is the best time to prepare. You cannot fix a roof that leaks when a hurricane is on the way.
At Choice Enrollment we take pride in making sure the health of our clients is well protected at prices for coverage they can afford. To learn more about how we can help you with health insurance please contact our agency at (719) 481-1616 or Click Here to request a free quote.