You might be wondering, “If I sign up for health insurance, pay my monthly premium, but I don’t get sick and don’t get any health care, then I’ve lost money.”
That’s not quite right, though.
First, there are many health insurance benefits you can use even without getting sick, such as vaccinations and checkups, that help keep you healthy over the long run.
Second, even if you don’t get into an accident, have large health care costs, or need to use your health insurance benefits, you still get the peace of mind of knowing that, if you had gotten sick, you wouldn’t be facing all those medical costs on your own.
Last, even when you don’t use your own health insurance benefits, your premiums go to pay for the benefits and health care of others on your plan. And, some day, when you do get sick and need help paying your medical bills, the others on your plan will help you in the same way.