We all want to be healthy, and there are a few ways that we can stay healthy. They include eating a healthy diet, getting exercise, and seeing the doctor regularly. If you are going to see the doctor regularly, you will need health insurance. There are a few reasons why health insurance is so essential.
You Need Health Insurance Under the Law
If you live in Texas and don't have health insurance, you may be penalized. If you don't have health insurance and haven't signed up on the health insurance Marketplace, you would be fined $695, or 2.5 percent of your household income. If you have dependents who also don't have health insurance, you would be fined for them.
Doctor's Visits Are Expensive
If you don't have health insurance, your doctor visit could cost between $300 and $600. This number will increase significantly if your doctor orders tests. If you have health insurance, you would only need to pay a copay. The copay is significantly less than the cost of the initial visit.
You May Avoid Seeing the Doctor
If you don't have health insurance, you might not have the money to pay for a doctor's visit or not want to spend the money at the doctor's office. Unfortunately, if you don't see the doctor, any underlying illnesses or conditions you have won't be diagnosed.
Hospital Stays Are Expensive
On average, the cost per day to stay in the hospital is $4,000. If you need to have surgery, that number will increase significantly. If you don't have health insurance and are admitted to the hospital, you could end up filing for bankruptcy when the bill comes in. You never know when you will be injured or get sick; therefore, it is best that you have health insurance.
If you don't currently have health insurance or are looking to change carriers, our agents at the Willyard Agency in Highland Village, TX can help. We can help you set up a policy that will benefit you and your family. To get your policy started, give us a call or stop by the office today.
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