Everyone in the world needs health insurance, but unfortunately not everyone does. With health care costs rising at a rapid pace from doctors, hospitals, and urgent care centers, it can be financially devastating for anyone to be without medical insurance.
Research has shown that nearly 40 million people in the US are currently without health insurance. Many either work for an employer who does not offer a health care plan, are self employed, or work part-time and are not eligible for medical coverage from their employer. These people are at a major financial risk and are an accident or illness away from potential financial ruin.
Most Americans have their health insurance through their employers. There is a growing number of Americans who are forced to decline the medical insurance offered to them through work because their part of the premium is more than they can afford to pay.
The unemployed, self-employed, and part time workers simply do not earn enough money to afford a good health insurance plan. Many despite working or drawing unemployment can afford private health insurance or COBRA or can't get coverage due to pre-existing conditions. It is estimated that nearly 15% of the United States population currently is without medical insurance of any kind.
The effect this will have on our culture may be difficult to see in the short term. With many kids not seeing a regular doctor there could be lasting effects on both their health care and how they see the need for health care when they become working adults.
Needless to say, everyone should obtain some form of health insurance. At some point everyone will need medical care from a hospital or a their family doctor.
Final Remarks
The 80 million uninsured Americans have options for acquiring health insurance, many just don't know where to look or who to ask help from. Many carriers now offer high deductible plans and health savings accounts that don't require employer participation to get.
Author Resource:
Hubert Miles is a blogger for many websites and the webmaster of Health Insurance Information and Medical Articles websites.
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