If you are rich you can go to the doctors or hospital without any need of health insurance coverage. Actually the fact is that people with money are usually very careful with it and do keep current insurance coverage. Everyone needs to see the doctor sometimes and the best and easiest way to do this is by having some kind of health insurance in place. Medical care can be the most expensive bill that you will ever encounter.

So if you don't know anything about health insurance, rest assured that it is better to have it than to not. Even if you feel that you are so very healthy that you won't have any need of medical care at any point in the near future, you need it to be on the safe side. Living without insurance can put you at a great financial risk that could affect the rest of your life.

Even if you never go to see the doctor and you haven't needed a prescription since you were a kid, there is always the possibility of injury by accidents of some kind. If you get hurt and have to the hospital there will be a big fat bill to contend with later. God forbid if you have to stay there for a while or end up in the ICU. That will cost more than you can possible imagine and it sticks to you too.

There is nothing to do about all that debt other than paying it. It will haunt you all of your days. It will interfere with purchasing a home or a car or anything else that you will need financing for. If for no other reason, get the coverage to protect yourself from that.

Buying insurance is like buying protection. There is plenty that you can't protect yourself from in life. With that in mind it is a good idea to get it when you can. The monthly premium is far less expensive than the possible debt that could be incurred with even short term hospital visits. When you look online at different insurance plans you will see that there are some plans that are very reasonable and will save you from a lot of grief.