Four Reasons You Need Personal Health Insurance NOW

​Most employees have the advantage of medical insurance tied to their benefits, but entrepreneurs or freelancers don't have this luxury. Working for yourself doesn't mean you should forego this protection though since individual health insurance is available to you. However, this isn't something you should put off until your business is stable or you're earning more. Here are the reasons why you need to secure health insurance now. 

Gives You Peace of Mind
You'll never know when accidents or sickness will strike. You have to take steps to protect your most valuable asset – yourself. Health insurance will provide you with peace of mind, knowing that whatever happens in the future, you can deal with it. That freedom also extends to the quality of care you'll receive. Many major companies reportedly pushed high-deductible plans as their staff as the only insurance option. This left workers will high premiums, but little say on the care offered. With an individual policy, you can choose the coverage level you require. 

Rising Medical Costs
The cost of hospitalization has gone up drastically the past few years. Aside from the value of primary medical procedures, out-patient expenses and diagnostic tests have also risen. This has made securing health insurance more critical. So choose a policy that will also cover diagnostics and OPD (out-patient department) expenses. 

Better Care and Preventive Screening
They say an ounce of prevention is worth a pound of cure. This statement holds when it comes to your health. Screening for diseases like cancer is vital as early detection improves the chance for a cure. Good individual health insurance offers preventive health care that includes yearly physicals, prenatal care and gestational diabetes screening, cervical cancer screening, flu shots, HIV testing, and more. 

Prevent Bankruptcy and Save Money
Medical bills have a hugely detrimental effect on your funds. One study conducted in 2013 showed that hospital bills were the primary reason people filed for personal bankruptcy. You can avoid this dilemma with health insurance. In some cases, an individual policy is better and more affordable than an employee group plan.  

Individual health policy is an excellent investment to make. Whether you're working for a company or your own, it's a good idea to secure this kind of coverage. 

At Rigel Hines and Associates, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (708) 283-7316​. Get your free quote today by CLICKING HERE.