Health Insurance

 

Health is your greatest wealth, but in the United States, visiting the doctor, buying medications, or going to the emergency room can cost thousands of dollars if you don't have insurance.

Imagine facing a sudden illness or an accident and receiving a medical bill of $50,000. This is not an uncommon situation. According to the Kaiser Foundation, 1 in 5 Americans has had problems with medical debt.

That's where health insurance comes in.

🛡️ What is health insurance?

Health insurance is a plan that helps you pay for your medical expenses. Whether it's a routine check-up, surgery, mental health services, or treatment for chronic illnesses like diabetes or asthma, your insurance covers part —and sometimes all— of the cost.

There are several types of plans:

Employer-sponsored insurance

Market Plans

Medicaid (for low-income individuals and families)

Medicare (for people aged 65 and older or with certain disabilities)

💡 Why You Need Health Insurance

✅ Affordable care: Insurance reduces what you pay for consultations, medications, and hospitalizations.

✅ Preventive services at no cost: Most plans cover vaccines, cancer screening exams, and annual check-ups at no cost under the Affordable Care Act (ACA).

✅ Financial protection: Avoid excessive medical bills and debt.

✅ Access to specialists: Receive timely care from doctors, therapists, and other specialists.

✅ Peace of mind: Knowing that you are covered gives you confidence and reduces stress.

📌 Did you know?

Bajo la ACA, las compañías de seguros no pueden negarte cobertura por tener una condición preexistente como cáncer, diabetes o depresión.

🚫 The risks of being uninsured

People without health insurance:

• They delay or avoid treatments due to the cost.
• They are more likely to be diagnosed in advanced and dangerous stages of a disease.
• They face higher out-of-pocket expenses when an emergency occurs.
• They risk going bankrupt from a single hospital visit.
• A leg fracture can cost $7,500. A three-day stay in the hospital? More than $30,000. Without insurance, you pay for everything —unless you qualify for financial assistance.

You could save hundreds —or even thousands— of dollars a year.

✅ Act today

Don't wait for an emergency to realize how important it is to have health insurance. Whether you're young and healthy, a working parent, or nearing retirement, coverage is within your reach.

Maria, a single mother from Miami, avoided the doctor for years due to lack of insurance. When she finally went in for severe abdominal pain, she was diagnosed with advanced appendicitis. With Medicaid, her surgery was covered, but the delay almost cost her life.

REAL STORY

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Your health matters. Protect it.