Everyone needs health insurance, even healthy people. You never know if you are going to get sick or get into an accident. Things can change drastically concerning your health in the matter of minutes. For those of us with chronic illnesses, finding affordable health insurance can be next to impossible, especially if we have to pay for it on our own. Finding a company that offers pre existing health insurance is like finding a needle in a haystack. Then the cost can be outrageous and the deductible and co-pays may make it not worth it financially.
I know of people who rely on the emergency room for their health care because they don’t have health insurance. Hospitals must accept you whether or not you have insurance or can pay for your care. Some hospitals offer programs to help you pay off your bill, lower your bill or send your bill to a nonprofit that pays it for you. But, what kind of care are these people getting? It’s not personalized and ongoing so that you a doctor tracks your symptoms on an ongoing basis. Plus, prescriptions can be too costly so the after care isn’t followed through. This is a just one time when low income health insurance is needed.
I don’t have all the answers for the health insurance dilemma, but one thing I know for sure is that people with low incomes need access to low cost insurance. In the long run, it will save money for everyone. Health care costs will be lowered since those of us with insurance aren’t paying for people without. And it’s just morally right that people who need health care get it, especially if they can’t work due to illness, if they are children and if they have put money into our national health insurance – Medicare – for a long time.