You’re healthy, physically fit and rarely need to visit your doctor. You know health insurance is something you should get, but you just don't want to pay those premiums right now. Whatever your reasons for putting off health insurance, you should reconsider. Here are three reasons for getting insured as soon as possible.
1. You May Find Yourself in the ER of a Hospital
There are some types of serious conditions that even healthy young people may be unaware of. One such unfortunate person was sitting on a ledge while doing a rock climb on a beautiful sunny day. It was perfect weather for climbing. One of his climbing partners turned to him to say something but found that he was dead. He had died because an aneurysm on his aorta had ruptured. He was in his early twenties. Health insurance wouldn't have helped him that day, but the story does bring across the notion that you can't predict when a medical emergency might occur.
If you use a car to get around, the risk of injury from an accident is very real. If you work or shop in public places, the risk of getting a flu virus that your body can't shake off is also a real possibility. Depending on the medical care needed for dealing with an emergency, you could be risking financial ruin without adequate insurance.
2. You May Not Have Access to Follow-Up Care
Hospital emergency rooms normally treat patients with injuries regardless of whether or not they are insured. This is not the case with getting follow-up care, such as physical rehabilitation. Excessive delay in recovering from an injury could cost you your job. Any prescription drugs you may need will add to your financial burden.
3. It is Required by Law
For 2014, if you can afford health insurance but choose not to get it, you will have to pay a penalty when you file your 2014 income taxes. This penalty will be a fee of either one percent of your yearly income, or $95 per uninsured person, whichever is higher. This penalty will increase substantially for each year you remain uncovered.
Take responsibility for yourself and your dependents by getting health insurance for both yourself and them. It's the right thing to do.
Get the coverage you need. Call Sound Benefit Solutions at (925) 244-1330 for more information on San Francisco health insurance.