No matter what your age, health challenges can take us by surprise. You can be healthy today and tomorrow be in the hospital. While in the hospital, your bill can grow to the point that you cannot afford to pay that bill without the help of health insurance. Insurance can help to protect your savings and allow you to get the care you need.

Sometimes you think that we are lucky and do not need health insurance since we have not been sick in years, and then a slow growing tumor or a weak spot on an artery or even a blockage in a main artery develops and suddenly, you are sick and in the hospital. Without medical insurance, you are headed down a road for financial difficulty. Unfortunately, this incident may have made it impossible for you to get that insurance.

On the other hand, illness sometimes come on quickly. We are exposed to thousands of germs and other pathogens every day. Many times our immune system is able to fight them off, but on occasion, one works its way into our body and suddenly we require medical treatment.

On top of all of this, add in the possibility of accidents. If you are working around the home, a fall can cause broken bones that require surgery to repair. Deep cuts or other injuries can require time in the hospital.

All of these incidents can keep us from our jobs, which is financially devastating enough, but the can also cause us to accumulate medical bills.

That quick trip to the ER can cost thousands of dollars. An over night stay can cost even more and a night in ICU or CCU can cost you even more than that. Even when you get to go home, you may find that without health insurance prescriptions can cost hundreds of dollars.

Health insurance can help to keep the charges under control.

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