On the surface, skipping health insurance can seem like a smart way to save money—especially if you’re young, healthy, or self-employed. But the real costs often come later. Here’s why taking the risk rarely pays off.
1. Medical Emergencies Are Expensive
A simple broken arm can run over $7,500 without insurance. A 3-day hospital stay? Over $30,000. And that’s before specialists, follow-ups, or prescriptions.
Bottom line: Accidents don’t check your coverage status first. If something happens, you pay the full rate—or go into debt trying.
2. You Lose Access to Preventive Care
Without insurance, many people skip checkups, screenings, and vaccinations. But early detection can prevent bigger problems—and bills—down the road.
Bottom line: Insurance isn’t just for emergencies. It’s for catching problems early and staying well.
3. You Might Miss Out on Financial Help
Many people qualify for monthly subsidies that drastically reduce their premium. But they don’t realize it—and miss out on thousands in savings each year.
Bottom line: Plans can be more affordable than you think. We can help you find out.
4. Delaying Coverage Doesn’t Always Work
Some wait until they “need it.” But you can’t just buy insurance the day after a diagnosis or accident. You’ll likely have to wait until Open Enrollment—or qualify for a Special Enrollment Period.
Bottom line: Waiting can cost more than acting.
A Quick Example
“I thought I’d save a few hundred bucks by going uninsured. Then I got appendicitis. That surgery wiped out my emergency fund and maxed out a credit card.”
— Jordan M., St. Augustine
Wondering if you qualify for a low-cost plan?
It only takes a few minutes to find out. We’ll do the math and show you options.
👉 Start your free review or call Shelia at (904) 295-8498.
Quick Tip
Use your health plan’s annual checkup! Most plans cover preventive care—including screenings and labs—at no cost to you.
On Our Radar
🎥 Watch: Your Retirement Starts Here – A 2-minute breakdown of how to plan now for a care-free retirement.
📄 Free Download: Medicare Made Simple: Your First-Time Enrollment Guide – PDF Guide. This simple guide walks you through your options, timelines, and what’s covered.
💼 Join the Insureous Team: Work with us – Help others, grow your income, and work flexibly.
🎯 Ready to Talk? Book your free coverage review today