If I’m healthy, do I really need health insurance?

That’s a question that most people have been asking since as long as the health insurance system has been around.

It doesn’t matter if you drink detox tea every morning, run five miles a day, and eat nothing but kale salads and quinoa, you still need health insurance. You can’t see into the future, and you’re not invincible. Health insurance safeguards you against the unknown, so that you can have what you need to keep living.

But if that’s not enough to convince you, we have listed a few more reasons why health insurance is essential.

1. Penalties are a pain

The Affordable Care Act requires individuals to purchase insurance. And if you don’t buy insurance, then you have to pay a penalty, which is the higher of the following two options.

Option 1: Pay 2.5% of your yearly household income.

Option 2: Pay $695 per person ($347.50 per child under 18). The largest penalty that a family will pay is $2,085.

2. Getting insured is pretty easy nowadays

Health insurance is a HUGE business, and that means that there are countless ways for you to get insured. Whatever you need, there is something that caters to you. Numerous sites focus on providing insurance for families, individuals, small business, independent contractors, you name it.

3. Being uninsured is not worth it

You will almost always pay more for your health services,medications, and your follow-up appointments when you don’t have insurance.

With insurance, you only have to pay a fraction of the full cost (a.k.a. A copay) for the services that you receive. When you don’t have insurance, you’re responsible for the full cost. That can mean paying $250 (without insurance) as opposed to $20 (with insurance).

4. You gain access to a healthcare helper (if you want)

Not many people are aware that health insurance brokers exist, let alone know what they can do for you. Think of them as a very informed guide that helps you navigate the complicated world of health insurance.  

Having someone walk you through the process of understanding what you are signing up for can make a world of a difference. A lot of people overpay for health plans, because they don’t have access to the information they need to make an informed decision. A health insurance broker helps you see all of your options when it comes to choosing a plan or working around an existing plan.

5. It’s cheaper than you think

Basic health insurance can cost you as low as $100 per month.

6. Free perks!

You get tons of free items and perks when you sign up for a health plan, like free wellness visits. So, instead of waiting until you get sick, you can visit your doctor and pre-screen for any health issues, ranging from high blood pressure to Type II Diabetes. Also, women are eligible for certain services, like free or reduced cost birth control. You can check with your insurance plan about which perks are available to you.

7. It’s one less thing to worry about

Life is already stressful enough. Between the upcoming election, work, and pop culture drama, who wants to even think about potential health costs and problems? Health insurance gives you peace of mind and allows you to live your life without fear.


You have so many options and services to help you get enrolled in a health plan. And we’re always here to help – whether you want to find a plan that’s right for your needs or you have any health insurance questions. We don’t care if you come to us, a broker, or any other resource, but the last thing you want to do is not ask for help if you have questions. Dealing with health insurance can be tricky. Knowing all of your options is the best way for you to get the health plan that’s right for you.

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