Buy Individual Health Insurance and Peace of Mind

Friends of mine never considered buying individual health insurance for themselves or their four children. It's too expensive they always complained. Danny and Brenda both have jobs. Danny is an independent contractor, picking up work when he can. Brenda is a high school teacher who declined the health insurance plan offered by her school because she didn't want any extra money taken out of her paycheck. So the family decided to go without any medical coverage.

Four winters ago, the family went on a snow skiing trip to Utah. Danny hit a tree and suffered multiple shattered bones. Luckily his skull remained intact. He was airlifted to the nearest hospital and spent ten days there until he was able to make the trip back home. The helicopter lift, emergency room care, and multiple surgeries within that ten day period amounted to well over $100,000. Since Danny had no health insurance coverage, he was responsible for the entire bill.

After he got home, infection set in and he had to return to the emergency room for more care. Since he still had no health insurance coverage, he was responsible for that bill as well. He couldn't afford the cost of physical therapy, so he made a very slow and painful recovery. He currently still walks with a limp.

Without any medical insurance, all the services and prescription drug costs were billed to Danny and Brenda. They made five or six payments and then realized they would never get out from under the mountain of debt. They declared bankruptcy. Needless to say, their credit score took a nosedive.

The best thing that's come out of this story is that the family now has health insurance. They decided to buy into a POS, which is a managed health care plan. It works well for them and the kids. The greatest thing they have is peace of mind. They know they will all be covered for minor things as well as more serious medical problems.

Buying individual health insurance for you and your family doesn't have to be expensive. Compare different plans to find what suits your needs. Get peace of mind.