When was the last time you actually went to the doctor to get a check up? Is going to the dentist something you just vaguely remember from childhood? How's your vision? If your web browser is currently zoomed to 300%, then you probably know the answer. It's no secret that health insurance is a vitally important part life, but isn't it expensive, confusing, and an all around mess to figure out? "Is health insurance really something I have to bother with?" you ask.
Well there's good news, bad news, and great news. The bad news is that, yes, you do need health insurance, but the good news is that getting affordable health insurance is much easier than you might think. The great news is that your employer can help you get health insurance, making the process even easier! Here's 5 great reasons to get health insurance today!
You Can't Afford to Wait!
One thing that a lot of people don't realize about health insurance is that you only have a very small window to apply. Specifically, to get coverage for 2018, you have to apply for insurance before December 15. This sounds intimidating, but actually applying for insurance is not complicated and only requires you to have a few documents on hand.
There's this idea that applying for health insurance involves going to the doctor, digging up old health records, and getting your new insurance card tattooed on your forehead; this isn't the case. As long as you have a copy of your social security card (and the social security card of everyone on your insurance) you can complete your insurance application in under an hour, you can even do it while you watch Netflix (we promise we won't tell). It's even easier if your employer offers you a health insurance plan. This is called group health insurance, and it's the best way to get health insurance.
You're probably thinking: "I work at Starbucks, how can I possibly afford insurance?" Well luckily, thanks to the Affordable Care Act, otherwise known as "Obamacare," you can get pretty good insurance for less than the cost of a pumpkin spice latte every month. Health insurance is especially affordable if you get group health insurance through an employer, as the cost is paid as a small and simple deduction from your regular paycheck.
It's the Law.
You'll notice this point didn't get an exclamation point, that's because it's not very fun. The downside of the Affordable Care Act is that everyone is legally required to have insurance or pay a fine. The reasons behind this are fairly complicated, but suffice it to say that the only way insurance companies can offer such good prices is if everyone buys insurance.
There's plenty more reasons to get health insurance, but these five should be more than enough. The real draw of health insurance is being able to provide yourself with peace of mind, since insurance is cheap now, why not buy it for yourself today?