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Having health insurance protects you and your family from financial losses in the same way that home or car insurance does. Many people don’t think they need health insurance because they are in good health. However, you never know when you might get sick or be in an accident. A trip to the hospital can be much more costly than you might expect.

According to The Atlantic, the average cost of a visit to the emergency room for more than 8,000 patients across the U.S. was $2,168, depending on the severity of the condition and what diagnostic tests and treatment are performed. That’s a large chunk of change that can be a lot less when you are covered with health insurance.

With health care costs rising at astronomical rates, no one can afford to be without health insurance. Unfortunately, many people choose coverage based on price alone, which often results in more out-of-pocket spending in the long run. It’s important to select insurance that provides the right balance of affordability and comprehensive coverage.

It’s also important to know what you need from your plan so you can shop efficiently for a plan that suits your specific needs. Maybe you’re having a baby, need mental health coverage or regular physical therapy visits. As with all insurance plans, tell your agent exactly what those needs are so they can find the right plan for you. Choose a plan that covers services you’ll use often, even if it means a higher premium because it may save you money in the long run. All plans are different. Take the time to know what is and isn’t covered.

Other key benefits of health insurance are access to a network of doctors and hospitals, and other resources to help you stay healthy. With health insurance, you’ll be able to find the help you need close to home, have peace of mind and worry less because you know you’re covered.

Additionally, The Affordable Care Act requires that most people have health insurance or pay a penalty. Don’t be at risk of not only not being covered properly but having to pay a penalty because of it.

The bottom line is that health is your most valued asset. With a good health insurance plan, you help protect the health and financial future of you and your family for a lifetime.

Let us help determine what type of coverage fits your individual needs and lifestyle. You can call us directly at (877) 215-5431 or Email us for more information.

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