Are you currently debating whether or not to purchase a health insurance policy? While many people believe that they go without it, the benefits ultimately outweigh the risk of not having any. Health insurance is an indispensable tool that supports your overall health. Toohey Insurance Service has been providing the Somerset, KY, area with quality insurance products for years. Below, they outline the top 3 benefits of having health insurance.

The Top 3 Benefits of Having Health Insurance

1. Transfer Your Risk

Life can often be a gamble. Illnesses, accidents, or injuries can require surgery or medical procedures that can cost thousands of dollars. You can easily be ruined financially without the appropriate coverage. By purchasing a quality health insurance policy, you are transferring the bulk of the expense to the insurance company. You might never use the coverage, but you are protecting yourself by having it.

2. Save Money

Paying out of pocket for medical expenses can get extremely costly for most families. A visit to the general practitioner for a regular checkup can cost hundreds or even thousands of dollars out of your pocket. By paying a monthly health insurance premium, you offset that cost by paying copays, or sometimes nothing at all. In addition, those who are not adequately insured can also face a 2.5% end of year tax on your household income.

3. Preserve Your Health

By taking preventative measures for your health, including routine checkups, you are preserving your health. Those who participate in regular health maintenance are better equipped and knowledgeable when it comes to diet, exercise, and how to take care of their bodies. As a result, your health is more likely to last into your old age. 

If you have questions regarding health policies and you’re looking for a trusted insurance agency, the professionals at Toohey Insurance Services can assist you. In addition to health insurance, they can also assist you with life and disability policies. Call them today at (606) 678-0540 or visit their website for more information.