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Everyone in the world needs health insurance, but unfortunately not everyone does. With health care costs rising at a rapid pace from doctors, hospitals, and urgent care centers, it can be financially devastating for anyone to be without medical insurance.

With almost 40 million people in the United States with no medical insurance from either work or through a private individual health plan. For one reason or another, the research has shown that these uninsured Americans are taking a big financial risk. Some are without coverage due to job loss, while some don’t have it because they don’t qualify through their employer. The fact is that these uninsured Americans are just one accident or illness away from financial disaster.

There is a large segment of working Americans who are now being forced to turn down the coverage offered to them through their employer. The cost of the coverage is more than they can afford to pay with little options for reduced coverage plans.

While many others, either the underemployed, the self-employed and the unemployed merely do not recognize where to go to search for good, health insurance coverage at a price they could afford. The United States Census Bureau approximates that about 15% of the population has no health insurance coverage at all.

It is too early to determine what the long term results may be of this trend in uninsured Americans. Seeing that young children are not getting regular health care, there may be lasting effects both medically and in how health care is viewed when these children become adults.

Needless to say, everyone should obtain some form of health insurance. At some point everyone will need medical care from a hospital or a their family doctor.

Closing Comments

The 80 million uninsured Americans have options for acquiring health insurance, many just don’t know where to look or who to ask help from. Many carriers now offer high deductible plans and health savings accounts that don’t require employer participation to get.

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