With today’s current political climate, you may be hearing a lot about health insurance. You may be torn between the pros and cons of paying for health insurance, but with current laws in effect, there is no doubt you need it.

Having health insurance means more than just avoiding a fine at the end of the year and there are a few ways you can be sure to utilize it. Included here are a few benefits of having health insurance.

Avoid a Fine

With the current laws in America, if you choose to go without health insurance you will be looking at a hefty fine at the end of each tax year. It is set to be 2.5% of your income, or a flat fee, whichever is higher.

This fee will be due on your taxes each year and all family members will be held liable for a portion. By signing up for insurance you can glean benefits throughout the year and avoid an unnecessary penalty.

Benefit from Preventative Care

Countless people suffer from debilitating diseases due to a lack of detection. Many Americans do not realize they are ill or have cancer until it is too late. By having health insurance, you are able to visit the doctor more often and benefit from preventative care treatment.

This could mean that any serious ailments afflicting you could be treated before they progress too far. Your daily quality of life could be improved by living without illness or pain.

Emergency Preparedness

Everyone knows that “accidents happen.” This is an especially dangerous saying when applied to an individual’s health and well-being. Health care costs are astronomical in this day and age; without proper insurance, your recovery from an accident could be greatly hindered by your pocketbook. You may refuse treatment or fail to get appropriate care simply because you can not afford it.

Health insurance allows individuals to be more prepared for the moments when life happens. This will allow you to feel greater peace of mind about daily life and have less concern over the unknown. You will know that both you and your loved ones are insured for any accidents or injuries and that you can recover without worrying about income levels.

Access to Resources

Being a member of a health insurance plan can have countless benefits to the individual. Many insurance companies offer access to a 24 hour nurse hotline for any questions you might have. This can be especially helpful if you are concerned about a medication interaction or diet question.

There are also many other support groups and resources available to people within an insurance group that you can utilize over the course of the year.


  1. I like that you mentioned that preventative care is one thing that I can expect from a health insurance plan. I’ve been considering to get a group health insurance with my friends since we are planning to be business partners in the future and be able to form our own startup company. Surely, our health would be very important to maintain for that since we will be doing most of the work in the beginning when we could not hire other people yet.