Getting Health Insurance in California is easier than ever
You and your family are healthy. You may reason that health insurance in California is optional. Maybe you question the possibility of ignoring the government mandate to obtain insurance. Surely if your family is healthy anyway, then it should not matter. Unfortunately, this line of reasoning does not take into account the devastating nature of medical problems. Hopefully you will not need anything more than annual examinations until you reach old age, but for many Californians this ideal does not happen. A traffic accident, a cancer diagnosis, or hundreds of other possible hardships can strike anyone at any time making health insurance in California a necessity. If you are uninsured, then you will likely be left in a position where you need care that you cannot pay for. Every year people are forced to declare bankruptcy over unanticipated medical bills.
Health insurance in California is more accessible than ever because of insurance service marketplace websites that can allow you to compare multiple insurance companies at the click of a mouse. You can choose between full coverage and a high deductible plan that would exist to cover catastrophic medical events. If you question the level of benefits that best meet your needs, a marketplace customer service agent would be happy to discuss your options and give you additional information. Not every person needs the same level of coverage, but remaining uninsured carries great risk. In addition to the government’s penalty fee, uninsured families can be financially devastated by overwhelming medical bills. A serious medical problem can leave you owing millions of dollars. In a time that may already be difficult due to the health issue you are fighting, you may find that you lose your home and are forced into bankruptcy.
Considering the nominal cost of catastrophic health insurance in California, it is difficult to find solid arguments against signing up. When you evaluate your options, you may even decide that full coverage of check-ups and minor injuries can be a good choice for you. Until you review your choices online or over the phone with a knowledgeable customer service agent, you may not know what you are missing.
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