What Happens If You Don’t Have Health Insurance?

What happens if You Don't Have Health Insurance?

When the Affordable Care Act (ACA) came out, Americans were required to have health insurance. ACA was put in place to provide easier and more affordable access to health insurance.

At the beginning of ACA, there were penalties if a person did not have health insurance; however, this part of ACA was repealed in 2019. 

Having health insurance keeps costs down for everyone and can give you peace of mind if any emergency or unforeseen medical issue occurs. 

If you do not have health insurance, you no longer face a fine by the federal government; however, you may be required to pay a fee when you file your state taxes. That fine could be significant. 

If you do not have health insurance, you may face large bills if you need to go to urgent care, the emergency room, see a doctor, or receive blood work or scans. Medical costs and bills can add up quickly, and health insurance can help take away some of the financial burden you are facing from medical expenses. 

For example, medical expenses can be very expensive, especially if it’s something more serious. According to HealthCare.gov, getting a cast for a broken leg can cost up to $7,500, and a three-day stay in the hospital can cost up to $30,000. 

You don’t want to accrue medical debt. If you are uninsured, you are one bad accident away from being $50,000 in debt. Even a medical payment plan from the hospital or doctor’s office can end up being more than you can afford. 

If you don’t have health insurance, you will likely never see a doctor for routine or preventative care; which means you could be ignoring small medical issues that could turn into bigger ones. From a sinus infection to a virus, you want to get these checked out quickly, so you don’t develop anything worse and end up with a larger bill than you would ever have on insurance. For example, most healthcare plans cover the cost of an annual physical, which is an appointment where you can catch or identify some problems to avoid unexpected medical expenses in the future. 

There are many different affordable health care insurance options. You want to choose the best policy that reflects your medical and health needs and works with your budget. 

At Thomas & Associates, we are a team of certified health insurance brokers. We can get you the best, affordable health insurance quotes in the Jacksonville area. We’ve been helping individuals, families, groups, and small businesses get health insurance plans since 1970 and represent the top Florida company with largest provider networks and most coverage options. 

We will help you through every step of the health insurance buying process and make health insurance easy to understand for you. When you work with us, you will know and understand all components and benefits of your health insurance plan.

Get Health Insurance with a Broker in Jacksonville, Florida

We will help you take the time to review your options and choose a policy that works for you. It’s “safer” and more financially-sound to have health insurance. 

At Thomas & Associates, we have years of experience helping people find and apply for the right health insurance plan. We will help you choose a plan that is based on your specific needs and budget. Our certified brokers can help you through the healthcare enrollment process. It’s our pleasure to help you! 

Through years of experience and knowledge of the system, we will find you a great plan. Our certified agent brokers at Thomas & Associates insurance agency in Jacksonville, Florida, will help you select a healthcare insurance plan that is best suited to medical needs and finances.

If you have professional health insurance brokers working with you, everything will be explained to you in a clear, concise manner. If you’re looking for an individual healthcare plan or a group healthcare plan, our certified agent brokers at Thomas & Associates insurance agency in Jacksonville, Florida, can help you get the best plan. 

We will get you a plan that is affordable and gives you the proper coverage. Let us help you find the right healthcare plan. Contact us for more information and to get a quote today! To work with our agents, click our Jacksonville health insurance contact page or call 904-730-3900.