Health insurance is an important part of financial planning, especially in today’s environment. Unfortunately, the cost of health insurance can be overwhelming depending on your situation. You may be wondering, “What if I can’t afford it?” The fact is, if you need health insurance now, you must acquire it sooner rather than later.

At a time when medical costs are skyrocketing, health insurance is no longer a luxury; it’s a necessity. Having health insurance helps to protect families against the financial burden of unexpected medical bills. Without health insurance, even a minor illness or injury could leave you facing tremendous financial hardship.

Besides having financial protection against costly medical bills, having health insurance opens up access to many other health benefits. Depending on the type of plan you have, you may be eligible for discounted medical services, mental health treatment, preventive care, specialty services, and more.

Another important benefit of health insurance is access to a wider range of medical care providers. Depending on your plan, you may be able to visit providers that would otherwise be out of network. This translates to a greater choice of physicians, hospitals, and specialized care facilities.