Health care and supplemental insurance can be expensive, particularly if you're buying it on your own or if your employer does not contribute to the cost. However, here are several important reasons why you need it. It is a financial safeguard. Without insurance, you run the risk of being financially wiped out by a serious illness or accident.
Without the benefits paid by insurance, you may find the cost of quality health care too high to afford. You may even have to go without treatment if you don't have health insurance.
There are a variety of health care insurance products and coverage plans available today. And, whether you're buying coverage directly as an individual or your employer offers a plan or plans from which you can choose, there is a range of costs and benefits.