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More and more individuals, with and without families to take care of, are working at home and find themselves without some kind of group health insurance. Sometimes even working at a job, the company offers no health insurance. Thousands of hard-working people in every state are making the dangerous choice: no health insurance at all. They believe they are young enough, healthy enough. They believe they “save a little or a lot of money” and can do without. | |
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Consider your friends, family and neighbors—people who may have been sick or injured. The fact is, even healthy people may be taken ill with a serious and extremely costly medical condition.
Now consider how terrible that ordeal would be without health insurance to pay thousands of dollars in doctor fees or hospital bills. The question you should ask yourself is… “Can I afford some health insurance?” and more importantly: “Can I afford to be without it?” You have to determine whether you are able to bear the risk of going without insurance and decide what you can and can’t afford. Some types of insurance, for example “Managed Care” programs, may offer you a middle way between insurance or no insurance: they give you a discount on all doctor and hospital bills by paying a share of your costs. Health insurance is not cheap but if you are over 35 years old and do not have coverage, you probably should rethink whether you need individual or family health insurance. One illness can put you in debt. If you are an individual you may pay $400 per month for insurance and if you have a family it could be $700+ just for an HMO. Can you afford that? You may need to consider what many are doing these days: getting a job that offers health insurance even if you could be making more money out on your own. The articles collected here can help educate you on these critical choices by explaining the types of coverage available to you as an employee of a company or an individual doing research for yourself:
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