Pre-existing Conditions
Today, having health insurance is still one of the biggest concerns among families and individuals with pre-existing conditions. Because of rising costs, having a health insurance policy is more important than ever. Whether you are young or old or in great shape, people need to go to the doctor and maintain their health. Accidents and unplanned life events will happen that will impact our health. We’ve thought about all the reasons why you really need to have health insurance policy in place.

Ability To Pay For Medical
When you or your family member have a medical problem or need medical care, and you don’t have a policy in place, you may not be able to pay for the medical care without health insurance.

Better Long Term Health
If you have a health insurance policy, you are more likely to go to the doctor. That means that whatever problem or condition you have may actually get worse. Later on, because of not going to the doctor, the medical expense becomes more expensive to treat. Specifically, people who have diabetes without health insurance have a higher mortality rate than those with health insurance who have diabetes.

Protect Against Major Financial Hardships
If you experience a serious medical emergency or illness without health insurance, you will be responsible for practically all of your medical costs. Having a health insurance policy protects you and your family from major bills and financial hardships that may accumulate.

Required For College
If you attend college, some colleges, universities, and international programs require proof of health insurance to enroll.

Can’t Be Denied Coverage
If you have a pre-existing condition, like a cancer diagnosis or diabetes, you cannot be denied coverage.

Minimum Benefits
Having a health insurance policy through the Health Insurance Marketplace, means the following essential health benefits. These are the minimum benefits in the Marketplace:

Emergency services
Lab services
Ambulatory patient services (outpatient care you get without being admitted to a hospital)
Hospitalization (such as surgery)
Pregnancy, maternity, and newborn care
Mental health and substance use disorders
Prescription drugs
Pediatric services
Rehabilitative and habilitation services and devices (help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
Preventive and wellness services and chronic disease management.

Coverage For Tests, Screenings, and Vaccinations
The government marketplace health plans must cover a set of preventive services like screenings, tests, and vaccinations to keep children and adults healthy. Depending on your age, gender, and other risk factors, your doctor may tell you it’s time for a mammogram, colonoscopy, or other screening that can detect disease in its earliest, most treatable stages. Or, it may be time to screen for high blood pressure or high cholesterol to give your doctor information that can help prevent a stroke or heart attack. Best of all, these preventive services are free of charge – no copays or deductibles.

Preventive care for all adults: 15 preventive services
Preventive care for women: 22 preventive services
Preventive care for children: 25 preventive services
Medicare preventive care: 23 preventive services

Qualification For Lower Cost Programs
You may qualify for lower costs on a health plan. Depending on household income and family size, you may qualify for financial assistance from the government – or subsidies – towards the cost of the premium and other financial obligations like co-pays or deductibles.

Qualification for Medicaid
Some individuals and families may qualify for low-cost coverage through Medicaid. In all states, Medicaid provides health coverage for some low-income families, people, and children, the elderly, pregnant women, and people with disabilities. And in some states, the program covers all low-income adults below a certain income level.