Today, health care costs are high, and getting higher. Who
will pay your bills if you have a serious accident or a major illness?
You buy health insurance for the same reason you buy other kinds of
insurance, to protect yourself financially. With health insurance, you
protect yourself and your family in case you need medical care that
could be very expensive. You can't predict what your medical bills
will be. In a good year, your costs may be low. But if you become ill,
your bills could be very high. If you have insurance, a third-party
payer, not by you, covers many of your costs.