In 2016, the cost of the average hospital stay was $11,700. Millions of Americans are currently uninsured and live with a significant amount of debt that they cannot afford to pay off. Imagine if you were to add a costly ICU stay or some other medical bill to the debts that you already carry. Would you be able to pay for the costs of the essential medical care that you require?
This is the situation that many Americans face every day. Thankfully, there are some simple ways to handle health insurance costs that will not make you avoid going to the doctor when you need medical attention. When you have the right health insurance in place, you will be able to manage your costs far more readily and better care for your family.
Common Barriers to Carrying Health Insurance
There are some common reasons that people do not have the medical insurance that they need. These barriers are common in nearly all situations that lead to hefty medical bills that cannot be paid for by those who require medical attention.
- The cost of the plan and the steep cost of co-pays and deductibles often discourage people from seeking medical insurance. Health insurance costs are by far the most limiting factor for most people who are uninsured. This is where the ACA comes in and can help you to get the health coverage you can afford.
- A lack of awareness of subsidies and other benefits that can help people afford health insurance is another common reason people do not seek insurance. Checking out the local programs that are offered in your area can help you to educate yourself about your options.
- While the ACA has made it easier to find a policy and to afford to be covered, selecting a plan can be difficult and confusing due to the wide range of options available and the lack of clear guidance about what these options can do.
Health insurance costs continue to rise as the strain of the COVID pandemic, and other factors make it harder for medical care providers to stay in business. You can expect that health insurance costs will only go up from here. Preventive care is the best solution for you and your family, and accessing it through the support of a quality medical insurance plan is more critical than ever.
Custom Health Plans Can Help
If you have been struggling to find the right health insurance policy for you and your family, you are not alone. Many people find it hard to identify which insurance plan is right for their needs. At Custom Health Plans, we aim to provide clients with the best custom insurance plan they can afford. We offer advice and guidance with professionalism, expertise, and respect. Quality and affordable health insurance options are out there that you and your family can afford. Get a quote from us today for help finding the right health insurance plan for your needs, and break free from worrying about whether or not you can afford the medical care that you and your family need.