Why Health Insurance Is Still Worth It — Even If You’re Healthy

Jul 3

3 min read

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Feel healthy and thinking of skipping insurance? Here’s why having coverage still matters — and how an ACA plan can protect your finances from surprise medical bills.

“I’m Healthy — Why Pay for Insurance?”

It’s a question I hear all the time, especially from:

Young adults
Entrepreneurs
Freelancers
People between jobs

And I get it — if you don’t use it often, insurance feels like a waste. But here’s the truth:

Health insurance isn’t about how you feel today — it’s about what could happen tomorrow.

Let’s break down why coverage still matters — even when you’re healthy — and how you can get protected for less than you think.

🏥 1. Accidents Don’t Ask for Permission

You may not get sick — but what if:

You break a bone in a car accident?
You need emergency surgery for appendicitis?
You end up in the ER after a bike crash?

Here’s what those bills can look like without insurance:

Service	Average Cost
ER Visit	$1,200 – $3,000
Ambulance	$800 – $1,500
Broken Arm	$2,500 – $6,000
Appendectomy	$13,000 – $35,000

These aren’t exaggerations. I’ve seen healthy, fit people wipe out their savings overnight because they didn’t think they needed coverage.

💸 2. ACA Plans Are More Affordable Than Ever

Thanks to expanded ACA subsidies, you may qualify for a plan that costs $0–$50/month, depending on your income.

Even if you:

Work part-time
Are self-employed
Recently lost coverage
Just turned 26 and left a parent’s plan

...you likely qualify for help — and I can check in minutes.

🧠 3. Preventive Care = Early Detection

Even if you rarely get sick, health insurance covers:

Free annual checkups
Vaccines and screenings
Mental health visits
Routine lab work

These help you catch issues early, before they become expensive (or life-threatening).

🛡️ 4. Financial Protection = Peace of Mind

Think of health insurance like a fire extinguisher. You hope you never need it — but when you do, you’ll be grateful it’s there.

ACA plans also cap your annual out-of-pocket costs. That means:

No matter what happens, you’ll never pay more than your plan’s limit (often around $9,000, sometimes much less).

Without insurance? There’s no cap — the bills just keep coming.

⚠️ 5. Going Without Insurance Can Cost You More

Here’s the catch: if you don’t have coverage, and something happens:

You pay full price at the ER
You can be denied financing for unpaid bills
You can’t retroactively apply for insurance

And unless you have a qualifying life event, you can’t sign up until Open Enrollment — which means months without protection.

🙋 Let’s Find a Plan That Fits Your Life

You don’t need gold-level coverage with all the bells and whistles.But you do need a solid plan that protects you when life throws the unexpected.

I can help you: