With the new health care lawing bringing the issue of health insurance to the forefront of American minds, it’s more important than ever to be aware of the associated risks of being uninsured. The San Diego health insurance agency, American Tri-Star, shares four ways you may be putting yourself or others at risk.
Advanced Health Problems
One of the most obvious risks of not having health insurance is overall health. Individuals without coverage often avoid the doctor, skipping preventative treatments and vaccines, leaving them more prone to illness. Additionally, without regular check-ups, minor ailments are ignored and may not be diagnosed until the problem is in advanced stages, and less likely to respond to treatments.
A study conducted at Harvard concluded that medical bills were behind more declarations of bankruptcy than any other type of debt. The cost of care for unexpected conditions like stroke or those that require long-term treatment such as cancer, result in costly medical bills that an individual must pay out-of-pocket if he or she is uninsured. It’s important to keep in mind that health insurance is not intended to extend life expectancy or reduce the chance of death, but to provide financial protection should a health condition arise.
Rejection from Colleges
Recently, parents of students that were exposed to uninsured students with health conditions have filed lawsuits that claim the college or university is putting their children at risk. As a result, some universities have begun to require mandatory enrollment into their provided health care programs if sufficient health insurance cannot be verified. Career training institutions are following suit, and even delaying graduation from certification programs until adequate coverage is obtained.
Risk to Others
Individuals who are not insured and have direct interaction with food products or large groups of people (public transportation workers, mail carriers, delivery truck drivers, etc.) are more likely to spread sickness if they have not received regular medical treatment or vaccinations. They may be risking the health of friends, family and even strangers in their day-to-day life.
The risks of not having health insurance often outweigh the benefits and cost should never be the reason standing in your way of being insured. Call American Tri-Star Insurance at 619-272-2100 to get a free insurance quote and find out how you can enjoy a happier, healthier way of life.