Protecting Yourself with Private Health Insurance

Private health insurance is more expensive than group health care policies, but still an important investment for anyone regardless of current health status. More than 46 million Americans do not have any health insurance, and with people losing jobs due to the spiraling economy, finding proper health care is even more of an issue than ever before.

The best way to find private health insurance is to either get an online quote or contact a local insurance broker. Even if you cannot afford the best health care plan, having something in place is far better than leaving it to chance. Many uninsured Americans do not get proper medical care, which can be life threatening if illnesses such as cancer go undetected. In addition, the risk of bankruptcy is much higher for those who do not have health insurance.

Even those who rarely get sick need insurance, because unexpected situations such as home accidents can happen at any moment. Monthly premiums for basic plans start at about $40 for a fairly healthy single person, and increase according to age, smoking preference, and medical history. There are also several comprehensive plans and policies that cover family members, which could run up to $1,000 a month.

Without private health insurance when no other coverage is available, one is literally putting their life and financial future into the hands of chance. Many doctors and hospitals do not see the uninsured and not every city has free clinics for routine medical care. Making the decision of protecting yourself with private health insurance is critical to living a full life.