| One of the most crucial issues facing American | | | | afford to go without insurance coverage. There |
| today is importance of health insurance for the | | | | are just too many things that can happen. A |
| American citizens. Yet there are currently 47 | | | | young couple planning a family will need medical |
| million Americans who are under-insured or who | | | | health care coverage for prenatal care, hospital |
| do not have any health insurance coverage at all. | | | | stays for once the babies are born, and then |
| The American public is aging, the baby boomers | | | | doctor visits for immunizations and regular routine |
| are reaching their senior years and according to | | | | checkups for their children afterward. Even if a |
| actuarial insurance statistics most individuals begin | | | | couple is young and childless there is no guarantee |
| to contract major illnesses or disabilities from the | | | | in life that they will always remain healthy. Doctor |
| age of 50 onward. These individuals cannot afford | | | | visits for the most innocuous things such as |
| to be without health insurance. As a matter of | | | | getting a flu shot, or going to the doctor for |
| fact, Americans of any age, social status, or walk | | | | allergy shots will become very pricey without |
| of life cannot afford to jeopardize their health | | | | proper medical healthcare coverage. |
| care because they are without insurance. | | | | Self-employed individuals must maintain a |
| Medical heath care coverage is to protect | | | | self-employed health insurance plan to protect |
| Americans from the event that a medical illnesses | | | | their business. Health insurance is just as important |
| or situation should occur and there is no money | | | | as any other business expense. If the |
| to pay for the cost of treatment. Older baby | | | | self-employed person can no longer work due to |
| boomers understand fully well how much the cost | | | | a temporary disability, time away from work due |
| of medical coverage is in America. A major | | | | to an operation, or even a car accident, then that |
| operation, and treatment can cost thousands of | | | | self-employed person will lose the income from |
| dollars and sometimes reaching over 100,000 | | | | their business. Besides loss of income they may |
| dollars. Unless the individual is fairly wealthy there | | | | actually loose their entire business if they are |
| is no way to be able to pay these rising health | | | | incapable of working for a long period of time. |
| care costs. | | | | American expatriots may find themselves in a |
| Fortunately some working Americans do have | | | | country where they cannot readily get the health |
| medical health care coverage through their | | | | care that they need. The facilities may be inferior |
| employers. Group insurance coverage is the most | | | | to American standards, or the services may not |
| economical way of making sure your health care | | | | be available at all. Expatriot medical health |
| needs are met. | | | | insurance can provide needed money to pay for |
| Unfortunately not all employers offer any group | | | | the costs of health care in the foreign country or |
| insurance coverage and this leaves many | | | | provide coverage if the ex patriot must return to |
| American families uninsured. With the rising costs | | | | America for treatment. |
| of health care in America, no family can really | | | | |