Many would agree that our health care system is in a crisis. Approximately 40 million people are without health insurance and the numbers have been steadily rising each year according to the U.S. Census Bureau statistics for 2006. Most people will not enter the doctor’s office without some form of health insurance as this is the most common way to access health care. Before deciding you would rather take on the risk of not having health insurance, consider the 10 reasons below regarding why you need coverage.

1. Insurance will cover you for an unforeseen event.
This seems quite obvious but it is something many young and otherwise healthy people are willing to gamble and risk. Then, if hit with a catastrophic event, they aren’t able to manage their health related bills.

2. Those without insurance are more likely as those with insurance to require medical care for a serious condition.
Those without health insurance are less likely to visit the doctor regularly and less likely to get the preventive care they need. And, if there is an underlying condition it will not be detected until it has reached a critical point and needs immediate attention.

3. Private health insurance is more affordable than you might think.
There are many options available to those who aren’t able to obtain health insurance through their employer. Contact a health insurance professional to discuss your choices.

4. You have access to more preventive care.
According to a Harvard Medical study just released in 2008, those without health insurance have poorer health, in general. This is especially true for the elderly. The study indicated a sharp decline in health related incidents with those who were previously without health insurance and then turned 65 and were able to access Medicare.

5. It’s the right thing to do for your family.
Having insurance for yourself and your family gives you the satisfaction that you’ve done all that you can to provide for your family.

6. Health insurance is a good financial move to make.
No one wants to dip into their savings to cover sudden medical expenses.

7. If your work offers it, take it.
Premiums are, generally, much higher when they aren’t subsidized by your employer. So, if your employer offers a plan that works for you, opt for it.

8. Some colleges, universities and international programs require proof of health insurance in order to enroll in the school.
Many schools require all of their students to have some type of health insurance. The school often offers an option if you aren’t currently covered personally or through your parents policy.

9. If your medical bills are not paid, there is a possibility of a lien on your property due to unpaid medical bills.
Hospitals have the legal right to sue you for unpaid medical bills and if you aren’t able to pay then they will be forced to put a lien on your assets (i.e. car, house, etc.)

10. Having health insurance for most people leads to a level of diminished stress.
This perhaps goes without saying. Insurance is just that. It’s insurance against those unexpected events that can happen to anyone. It can provide peace of mind to those who are able to have it.