Many people—particularly young folks—forego buying health insurance because they are young, healthy, and foresee no need for doctors' care or hospital visits. However, coverage benefits everyone, even if you are generally in good health. Below are a few key reasons to buy health insurance coverage.

3 Benefits of Buying Health Insurance Coverage

1. To Guard Against Misfortune

Even if you are in good health, you may experience an unfortunate illness or injury that lands you in the emergency room. Food poisoning, asthma, or even a fall off a bike can require expensive medical care, for which you would be responsible if you don't have coverage. A broken bone or a sudden infection can cost tens of thousands of dollars to cure. Health coverage keeps you secure in the knowledge you have protection in case something catastrophic should happen.

2. To Stay Healthy

Health insurance covers preventative services to help you stay healthy. For instance, you can take advantage of flu shots and screening tests at no charge. This service prevents other, more extensive illnesses that could interfere with your plans and be more complicated to cure. Moreover, since the passage of the Affordable Care Act, you cannot be denied coverage because of a preexisting condition, meaning you can start treating the issue immediately.

3. To Achieve Lower Healthcare Costs for All

The more people that have insurance, the better able insurers are to negotiate affordable pricing with health care providers. Thus, everyone pays less if everyone pays a little. The larger your medical network, the more evenly insurers will distribute resources. Additionally, more people will receive prompt treatment, fewer infectious diseases are spread, and the healthier the entire system stays.

To purchase high-quality health insurance, contact Toohey Insurance Service in Somerset, KY. They are an experienced, independent insurance agency that's served clients in and around Pulaski County since 1983. They also specialize in individual and employer group health insurance, business insurance, disability insurance, and Medicare. Visit their website to learn more about the carriers they work with, and call (606) 678-0540 to request a free quote.