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Why do I need health insurance?

The reason you need health insurance may not be so much for the occasional doctor’s visit or prescription drug for a minor illness. Normally you may be able to fit those expenses into your budget.

The most important reason you need health insurance is to protect your family’s finances if you’re in a serious accident or are diagnosed with a serious disease. In these cases, the needed surgeries, treatments, medications and visits to specialists can easily cost hundreds of thousands of dollars.

Having health insurance is smart

Health insurance can be difficult to get if you wait until you or a family member is seriously ill. Having health insurance is actually much more economical in the long run than to run the risk of major damage to your family’s finances.
What’s more, with health insurance, you’ll be more likely to get routine care, including preventive care, when you need it, which helps you stay healthy – and saves money in the long run.

Health insurance can be more affordable than you think

There are many ways you can make health insurance fit your budget. For example, you might wish to consider a higher deductible in exchange for a lower monthly premium. Use the Plan Selector link to Optima’s page to see plans that fit your needs.