It is important to get health insurance for yourself and members of your immediate family. Insurance helps to protect you from high health care costs, especially those related to chronic medical conditions or the need for hospitalization.
You should get health insurance for the same reason that you have auto insurance or homeowners insurance – to protect your savings and income.
How Do I Get Health Insurance?
Depending on your age, job status, and financial condition, there are many ways that you can get health insurance, including:
Health insurance provided by an employer. Most large companies in the U.S. provide health insurance as an employee benefit. You may be required to pay some portion of the monthly premium, or cost of the health insurance.
Health insurance that you purchase on your own. If you are self-employed or work for a small company that does not provide health insurance, you will need to buy it on your own.