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Suwat Muenpan asked:


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Adam Alter asked:


When we search for a new job, the right benefits are very important, and health insurance is the number - one benefit since an employer that gives us health insurance can save us the hundreds of dollars a month that we would have to pay out of pocket for private health insurance. But not all good jobs offer these needed benefits. What then?

Some people feel that going without health insurance is okay, but they are being short - sighted. The most important thing about having it is the fact that it prepares us for the unexpected; and since crises seldom happen on an ideal schedule, it is very important to be prepared at all times. You are in luck, though. Health insurance benefits are not really hard to find; if you can flip a burger, you can find good company - paid health insurance option. You can even sometimes find it just for working part - time at some local or chain coffee shops.

It is not so much a matter of getting the medical treatment that you need, because hospitals cannot reject you just because you can’t afford to pay. But if you lack health insurance and you cannot pay, having a health problem can quickly put you deep in debt. Going without health insurance can destroy your credit, and with it your chance of buying a house, or even getting a credit card or being hired in the right new job. Going without health insurance can wreck your life.

So as much as we may hate the cost of health insurance, it is very important to have it when we need it. If you are already paying for it now and you never seem to need it, just be thankful for your perfect health… but problems can strike at any time small and big. Nobody who has suffered a serious health condition has ever regretted having paid for health insurance! Keep that in mind when you debate skipping health insurance to save a few hundred dollars per month: it may help you make ends meet in the short term; but then again, it may ruin your life if tragedy were to strike.

What if your dream job provides no benefits? That’s fine. You can buy the same health insurance on your own. You can afford to skip dental and vision insurance, since you can probably meet those costs on your own; but you must have a good health insurance policy to protect you against the worst possible disasters. There are a few web sites such as http://www.usinsuranceonline.com/health-insurance-quotes.php which are dedicated to finding you the best current prices for health insurance on policies of almost infinite variety. Just by filling out a quick form, you can have multiple quotes within minutes, so you can compare the rates and coverage and deductibles side by side and make the best possible choice for you.