5 Reasons Why You Need Illinois Health Insurance Today
When it comes to healthcare, having health insurance is paramount. Without it, you could be faced with enormous medical bills that can leave you financially drained. Illinois residents understand the importance of having adequate health coverage, yet some still do not have it. If you are among the uninsured, here are the five reasons why you need Illinois health insurance today.
1. Protect Yourself from Exorbitant Medical Expenses
Illinois health insurance can help cover a significant portion of medical expenses you may incur. Surgeries, inpatient and outpatient care, emergency room visits, prescriptions, and mental health services are some of the medical expenses that health insurance can cover, depending on the plan you choose. Without insurance, you may be responsible for paying the full cost of these services, which can add up quickly, leaving you with an unbearable financial burden.
2. Avoid the Penalty
Under the Affordable Care Act, also known as Obamacare, uninsured individuals are required to pay a penalty when filing their taxes. In 2021, the penalty is $695 or 2.5% of your household income, whichever is greater. The penalty for not having health insurance can be steep, so it’s wise to get insurance and avoid paying it altogether.
3. Access to Preventive Healthcare Services
One of the essential benefits of healthcare insurance is access to preventive healthcare services. Most health insurance plans cover yearly check-ups, cancer screenings, and vaccines at no additional cost to you. Preventive healthcare services can help you detect and treat medical problems before they become severe, saving you from complex and costly treatments in the long run.
4. Peace of Mind
Illness and injury can happen unexpectedly, and without health insurance, you could be left worrying about how to pay for healthcare when the need arises. Having health insurance offers peace of mind, knowing that you are covered in case of an emergency. This reassurance can enable you to focus on recovery and not worry about the financial implications of getting medical attention.
5. Ability to Choose Healthcare Providers
With health insurance, you have more flexibility to choose healthcare providers. Chicago residents, for instance, can choose a provider who is part of their insurance network or consider out-of-network providers. Your health insurance plan may also cover some out-of-network services, which can give you the freedom to get care from a provider that’s not in your network.
In conclusion, having health insurance in Illinois is crucial. It can help protect you from high medical expenses, avoid penalties, offer access to preventive healthcare services, bring peace of mind, and provide flexibility in selecting healthcare providers. Don’t take chances with your health, get adequate health insurance coverage today.
