With medical care proving expensive by the day, it is important to consider the option of buying health insurance. When choosing health insurance for the family, it is a good idea to purchase a comprehensive cover. Having the right cover can make a difference between life and death. You can never take chances with your health to save money. The importance of health insurance include:

· Protects you and your family from medical debt

On average a 3-day hospital stay will costs you about $30,000 while repairing a broken leg will cost you as much as $7,500. This is likely to strain your budget and this explains why the right insurance cover is recommended. Health insurance can help a great deal in protecting you and your loved ones from unexpected medical bills. Furthermore, many of the health plans can protect you from incurring financial hardships by helping to manage the out of pocket charges you are expected to pay. Close to 50% of the working population are paying off debt or medical bill problems.

· Helps you to protect & manage your health

As long as you have health coverage, you will benefit a great deal from preventive checkups. In addition, you will be in a better position to seek for treatment when you see signs of any health problem before they generate into serious conditions. Therefore, when you are able to obtain medical care when you need it can help improve your overall health. Furthermore, those who have health insurance are more likely to keep away from smoking. They are also more likely to eat a healthy diet and engage in exercise regularly.

· Saves you a substantial amount of money on healthcare bills

If you are receiving healthcare without having an insurance policy, this means you are taking responsibility of the entire costs of your medical care. However, the moment you choose to buy health insurance you stand to benefit from discounted rates. This is made possible by the fact that insurance companies take the initiative to negotiate for rates with hospitals, doctors and specialists. Therefore, you will be in a position to pay less for the services as long as you are insured. Otherwise, you would have to pay 100% of the cost.