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WHY YOU NEED TO Have Health Insurance
In America we demand the very best and American health care is the foremost, but with this comes the high costs of providing this care. With Americans wanting the newest treatments for their ailments the health care industry must keep innovating and developing new procedures and products. Much like any new technology these products and procedures cost millions of dollars to build up and produce, and that cost is made into what the physician or hospital will probably charge for these services.

As more info knows the costs of healthcare are ever increasing. Health insurance is a way to control these costs. When a health insurance carrier starts to build up a network of doctors and hospitals they negotiate payments for procedures, office visits, prescription medications and any costs which could affect their members. The only way to obtain these negotiated rates is to buy into the insurance companies' health plan. By negotiating these rates the insurance company is ensuring you are getting the best available health care at the best possible price.

By not taking part in a health plan you will be paying the full price for several medical costs through the medical provider that you have chosen. Many people believe they do not need health insurance because they never get sick and are generally very healthy. Unfortunately we can not predict or control accidents or sudden and serious illnesses that require immediate medical care. These costs can add up very quickly and unless you are making thousands of dollars per year (and I suspect that most of you don't), the cost of these unforeseen events might ruin your financial health.

The majority of the insured population has their medical benefits provided in their mind by their employer. If employer sponsored coverage can be an option this is generally the easiest way to go. If employer sponsored health coverage is not an option then the individual market may be the next best option. Most of the people who seek insurance in the individual-market are small enterprises, entrepreneurs, students, and the self employed.

In the individual medical health insurance market, you are placed right into a pool with other members all paying individual premiums. When medical costs arise from this pool of members, the insurance provider uses the premiums to pay for the members' medical expenses. Basically, myocardial infarction is one way medical health insurance works, members pool resources together that are redistributed as had a need to fund health care.

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