Why Do You Need Health Insurance?

Reasons to Get Health Insurance in San Diego, CA

Health insurance is no longer a luxury, but a necessity. With the high cost of health care, most people simply cannot afford to pay their medical bills out of pocket. Despite this fact, people still do not want health insurance because of the expense. But not having health insurance can end up costing more in the long run. Having health care will only benefit you, and the insurance experts at American Tri-Star in San Diego are here to tell you why.

You Cannot Predict Your Medical Bills

Unless you have a crystal ball, you cannot predict the future. You have no way of knowing what your medical bills may be. If there is a catastrophic event or a serious illness, the resulting bills could be devastating. While it is good to be optimistic, unpleasant things can still happen. Do you really want to go into debt for a trip to the emergency room?

You Will Receive Better Health Care

When you have health insurance in San Diego, you are more likely to receive regular care. With routine check-ups and preventive care, you can screen for heart disease, cancer, and diabetes. For serious illnesses, early detection is key for survival. Plus, you will be better able to afford your medications with health insurance.

It’s the Law

If you choose not to get health insurance, you can now face a tax penalty. The Affordable Care Act has made it mandatory for all American citizens to have health insurance.

It Is More Affordable Than Paying Out-of-Pocket

A medical bill without insurance can send you into some serious debt, but fortunately there are many different options for people who need health insurance. If you choose a plan with a high deductible, your monthly payments are usually at a reduced rate.

You Cannot Be Denied Coverage

Under the Affordable Care Act, you cannot be denied coverage if you have a preexisting condition. You can also not be charged more or denied treatment.

Health insurance is more than just coverage. It is an investment in your future. If you are thinking about purchasing health insurance or have questions about commercial, homeowners, or car insurance in San Diego, call one of the knowledgeable agents at American Tri-Star at 619-272-2100 for a free quote. We hope to hear from you soon.