People who do not have health insurance may not consider it to be any sort of problem. Currently, fifteen percent of American do not have any health care coverage, and eighty-five percent of American do. Those who do not may see it as easier and more economical to just do without. However, if there is ever any sort of crisis in their lives, they will become very aware of just how essential this insurance actually is.

If there are currently no problems, it may seem very easy to simply join an insurance plan at their leisure. However, if any sort of condition becomes apparent, this may not be possible. Many companies will not take people with pre-existing conditions such as auto-immune disease or diabetes. The insurance companies realize how much these patients cost and will turn them down.

For those with children, it can be dangerous to not have access to health care. Children are far more susceptible to disease and sickness than adults. A common cold can quickly turn into pneumonia or worse. If a person were also to suddenly get pregnant, paying the costs of a child by themselves is hard. There are hospital bills, doctor visits and frequent check ups for the newborn baby.

For those who suddenly find out they have a chronic illness such as cancer or diabetes, not being insured becomes a large problem. It is very difficult to cover hospitals, chemotherapy, insulin shots, and other prescription medications all alone.

These costs quickly add up and become out of control, especially since the person can not even afford insurance in the first place. Many times people forced to pay all of these bills find themselves bankrupt.

For those who find themselves still uninsured, it may not seem like that much of a problem at the moment. However, they should be more than simply knowledgeable of the need to have health insurance, but well versed in the dangers of not having it.

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