Top 3 Excuses People Use For Not Having Health Insurance

1. I can't afford it.

   Health coverage is more affordable than you might think, and the truth is you can't afford to be without it. Just one emergency room visit could end up costing you thousands of dollars for only basic care. Your costs will be substantially lower if you have health care coverage.

2. It's too confusing to decide what I need.

   Online decision tools have greatly simplified the process of purchasing coverage, and a licensed insurance agent can assist you if you need help.

3. I'm healthy. I don't need health coverage right now.

   Health coverage is much like car insurance - you pay premiums to protect yourself from an unexpected accident or illness. By paying a little at a time, you protect yourself from the possibility of larger bills later. One of the risks of not having health coverage now is that if you do become ill or injured, you may not be able to qualify for a plan. Or, you may be charged a substantially higher premium for high-risk, pre-existing conditions.