Benefits To Using A Health Insurance

Benefits To Using A Health Insurance: Even healthy people need health insurance. Having a health plan helps maintain – and may even improve – the health and wellness of you and your family. And it may help in the event of an accident or illness.

Protect your health and prepare for the unexpected

You never know when an illness or accident might happen. That's why, under the health reform law, almost everyone needs to have health insurance, or pay a penalty.

When you have health insurance, your plan may pay some of your medical costs. Plus you're encouraged to seek routine preventive care which may help you avoid developing an illness or health condition, or find it at an earlier stage when it's often more treatable.

Health insurance costs money – but not having it could cost a lot more. Unforeseen medical needs, combined with high health care costs, could leave you with medical bills if you're not insured. Having health insurance coverage can help reduce unexpected medical costs.


It's hard to know how much you'll spend on health care each year. But having health insurance helps pay for sudden, expensive medical costs. It also helps you pay for common services like annual check-ups, recommended health screenings and preventive care services.

Under the health reform law, it may cost you money if you don’t have health insurance. In 2015, the penalty is 2% of your income or $325 per person in your family (maximum of $975), whichever is higher.*

Health and wellness tools and resources

Many health insurance plans also offer benefits, resources and tools to help you and your family get and stay healthy. Be sure to review your plan materials and take advantage of all the tools and programs offered.

Article Source: http://www.uhc.com/