Medical Insurance
According to the Centers for Disease Control and Prevention’s National Center for Health Statistics, In 2021, only about 9.2% of the American population will be without health insurance. More than 60% obtained coverage via their job or the commercial insurance marketplace. At the same time, the remainder was covered by government-subsidized programs such as Medicare and Medicaid, veterans’ benefits programs, and the federal market known colloquially as Obamacare.
You do not need to forgo a yearly wellness appointment or a doctor’s visit for a minor disease if you have medical insurance. And you won’t be saddled with a hefty fee if you or a family member is involved in an accident or develops a chronic ailment.
If you’re on a shoestring budget, any insurance is preferable to none. If you have a low income, you might be one of the 80 million Americans eligible for Medicaid.
. If your income is modest but insufficient to pay the insurance cost, you may be eligible for subsidized coverage under the federal Affordable Care Act.
Participating in your company’s insurance policy, if your employer has one, is typically the best and least costly alternative for salaried workers. According to a Kaiser Family Foundation study, the average annual premium cost to an employee in 2021, the cost of an employer-sponsored health care program was $7,739 for single coverage and $22,221 for a family plan.
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