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Having Health Insurance is Important for Your Health and Financial Well Being Posted: December 7th, 2009

By Sanford Ellowitz

Sanford Ellowitz is a New York State licensed insurance agent. He is also a Certified Financial Planner and a Certified Employee Benefit Specialist. He has over 25 years experience in the insurance and financial services industries.

Having Health Insurance Can Save Lives and Money

Why You Need Health Insurance

If you thought you didn't need health insurance, recent studies may give you a few reasons to reconsider coverage.

For Your Child's Health

For your family's well being you should probably have some form of health insurance insurance.

A study published in October 2009, by the Johns Hopkins Children's Center, showed a link between a lack of health insurance and children deaths over a 17 year span. The study compared hospitalized children who had health insurance with hospitalized children who did not have health insurance. The study showed that mortality rates were 60% higher for uninsured children.

For Your Own Health

Being uninsured may also have unfavorable circumstances for you. According to the Institute of Medicine, those without health insurance may experience severe health consequences. Without insurance, doctor visits may be put off and diseases may go undiagnosed until later stages when they are harder to treat.

In 2009, researchers from Harvard Medical School confirmed the hazards of being uninsured. They studied individuals between 51 and 64 who had either no or intermittent health insurance coverage. The researchers found that they cost the Medicare System substantially more than those who had been previously insured. Nearly two thirds of the difference was due to potentially preventable hospitalizations and delayed elective procedures.

For Your Wealth

If you are uninsured, you will be forced to pay out-of-pocket for anything from routine office visits to major surgery. Not only will you have to pay these expenses yourself, but without the lower, negotiated rates paid by health insurers, you may be charged the highest prices. Ultimately, if your bills run high enough, you may run into financial trouble.

Don't Delay

You should get coverage soon, and it pays to get health insurance when you are healthy. If you become ill when you are uninsured, you may become ineligible for health care coverage due to a pre-existing condition.

Get Covered

If you're not covered, you can obtain health insurance by going online to get quotes. Having health insurance may help protect you and your family--health and wealth wise.

Sanford Ellowitz