Persuasive Essay: Why Are Health Insurance So Important?

According to the Biblical Financial Planning Textbook (2016), “One of the largest operating expenses for most businesses over the last several years has been health insurance, with cost increases of 25% to 40% not being unusual” (p.239). Health insurance and health insurance premiums have become one of the hottest debated topic by politicians and normal citizens alike, both trying to figure out ways to keep down the ballooning cost. The reason why health insurance is so important is because of the massive effect it can have on a family’s financials. Sudden injuries, like a broken leg, can cost tens of thousands of dollars without health insurance, and is a burden that most families can’t afford to bear. With health insurance some of the financial risk is mitigated, making a sudden medical need less drastic and more manageable. Health care cost is something we must all manage as a society and things such as being careful consumers of health insurance, taking steps for preventive medical maintenance, and using insurance wisely can help us keep medical cost down. …show more content…
During my time spent working in a hospital, I constantly saw people make unnecessary trips to the emergency room. I would see new mothers bring in their child over something simple like a scratchy throat, or a mild fever. We as humans tend to freak out over our children and think the worst, that every thing’s is a medical emergency and needs to be treated as soon as possible. In reality that isn’t true and the excessive use of the ER is a waste of consumers and insurers money alike. Instead of going to the ER, which costs can average over $1000 a visit, we should go to an outpatient facility which cost about 80% less. This can save both consumers and insurers alike, which lower the overall cost of