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The purpose of health insurance is to help you plan for unexpected, costly emergencies. If you get sick or injured, you need health insurance so the doctors can help you.
Medical insurance can be very expensive. The cost for this kind of insurance is going up. Like most people, you may not be able to afford all of the insurance you might need.
Many people think that if you could only afford one kind of insurance, you should buy health insurance. If you can afford only a small amount of health insurance, it is best to insure yourself against the big unexpected costs and pay the smaller common bills yourself.
There are different kinds of insurance you can get. Hospital Expense insurance will pay for any costs you get while having to be in a hospital. Surgical Expense insurance will pay for the doctor to operate on you. Regular Medical insurance will pay for any non-surgical treatment. Disability Income insurance will help pay for living expenses if you are sick and cannot work.