The truth is that there is no real need for insurance...until something happens. And when that something happens, you can't tick back the clock and hurry up and buy it. Insurance can be expensive, and some people honestly cannot afford a major medical plan. Here is a common scenario: a person that is uninsured goes to the hospital, gets care, and then gets a bill. I am not here to argue that the price of medical care is reasonable, but for now, it is what it is. Said person then takes that bill and has a few options: pay it (which is unlikely if they were uninsured in the first place), don't pay it (let it go to collections), set up a payment plan with the hospital. If option two is selected, then "who pays"? This discussion could easily get off track, and go in to the arena of should we provide care to??? That is another blog for another day.
Now for the answer to the original question. Why have insurance anyway?
The answer to this question unfortunately is not found in one black and white place. Each of us will have a different reason for obtaining a method of medical coverage. There is one thing that is for sure, everyone should. If you are not able to self insure (pay for your own medical expenses), then get something that will.
The American system is built on the concept of personal responsibility. As more and more of us stray from these ideals, big brother is "happy to help". When people get care that they cannot pay for; somebody still pays for it. The bill gets projected on all of us in the form of higher medical costs and higher insurance premiums. If we want to keep medical costs down, we need to reduce the amount of people getting free/uncovered treatment. And no, I don't believe that the goverment running the health care industry is the answer.
My final thoughts on this are as follows. If you are one of the people that takes personal responsibility for yourself and your family, having insurance will act as a hedge against financial ruin. If you aren't one of the kind of people mentioned above, look around, your neighbors and friends are going to pay your medical bills if something bad ever happens.
No one has a crystal ball. There are unlimited options (that fit all budgets) for everyone to have some type of medical coverage. Having insurance is the only way to prepare for the unforseen.
Opinions, thoughts and comments are always appreciated.
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