Health insurance protects you and your family in the event of an illness or injury. Plans can even offer wellness packages that help you avoid illness in the first place. It is an extraordinarily valuable risk management tool, but many people forego health coverage because they feel it is too expensive, or they don't expect to need it. However, if you fail to protect yourself with health insurance, you leave yourself open to certain risks. Below are several of the most critical. 

3 Dangers of Not Having Health Insurance

1. Higher Medical Costs

For most plans, you pay a monthly premium, and your policy covers you in case you need medical care. If you neglect to purchase coverage and you or a family member gets sick, breaks an arm, or is in a car accident, you will face drastically more expensive medical costs. A severe infection or a broken bone can cost thousands—or even tens of thousands—of dollars to treat. 

2. More Frequent & More Serious Illnesses

If you don't have health insurance, and you do get sick, you are less likely to seek medical care. Without timely treatment, mild illnesses will worsen. You might compromise your immune system and become susceptible to other diseases. If you are young and healthy, you will likely recover, eventually. But this poses a dangerous risk to seniors, children, and infants. If you have a toddler or an aging parent in your household, health insurance is well worth the cost.

3. To Stay Healthy

Many health insurance plans cover preventative care costs. This type of care includes yearly checkups, immunizations, STD testing, and even counseling for depression, alcohol abuse, and obesity. By staying on top of your mental and physical health, you are less likely to fall seriously ill or develop complications. A health plan makes it easier and more convenient to do so.

To have a helpful, experienced insurance agent assist you in designing the right health insurance plan for your family, contact Toohey Insurance Service in Somerset, KY. They are an independent insurance agency and have served Pulaski County residents since 1983. They also specialize in business insurance, disability insurance, and Medicare. Stop by their website to learn more about their insurance options or call (606) 678-0540 to request an insurance quote.