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It's most likely a myth that medical costs are the leading cause of personal bankruptcy (some research study pegs it at only around 4%), however everybody agrees that if you're extended too thin financially, and then you have a whopping medical cost on top of that, it isn't great. Incidentally, when the Affordable Care Act was initially passed, you needed to pay a charge tax for going without health coverage unless you satisfied specific exemption requirements, including monetary difficulty.
(If you were uninsured in 2018, you will be punished on your 2021 tax form for that.)So, sure, you might argue: "Hey, no cost. I do not need to get medical insurance." You could argue that, however please don't. The Affordable Care Act has actually been mired in debate for many years, partly due to the required cost, but whatever one's sensations about the ACA, we can most likely all agree that it's an excellent concept to have medical insurance. https://storeboard.com/blogs/general/what-is-the-difference-between-whole-life-and-term-life-insurance-for-dummies/4604244 |
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