Unforeseen Illness or Injuries

Anyone can suffer a major injury or suddenly be diagnosed with a serious disease. As paying for medical care on your own in these situations is likely to be very expensive, it's important to have a health care plan that will cover most of your costs.

Balance Health Care Spending

Paying for your health care plan instead of paying medical expenses out of pocket allows you spend about the same amount on health care every month, minimizing any unexpected cash flow issues.

Preventive Care

Many health care plans pay for you to receive regular medical exams and tests that will help to keep you healthy.

Better Health Care

According to the Agency for Healthcare Research and Quality, people with health insurance also simply receive better health care. In addition to access to preventative care, people with health insurance tend to have primary care physicians and are less likely to put off getting necessary care.

Saves Everyone Money

It's also important to have a health care plan to help reduce the burden on other insured peopled. According to the Center for American Progress Action Fund, when uninsured patients can't pay their medical bills the cost for their care gets shifted to those people who do have insurance.

Source:

Agency for Healthcare Research and Quality: Why do you need health insurance?

Center for American Progress Action Fund: The Cost Shift from the Uninsured