In today’s world, healthcare is a necessary expense. If you go to the hospital and don’t have health insurance, you’ll be faced with an astronomical bill. Even having annual doctor appointments is too expensive unless you have health insurance. Many people can get insurance through their employer, although others must get insurance online through a government-sponsored or private insurance program.

Before you decide on an insurance provider, it’s important to know what is included in the health care policy. If you have a family and you will be placing them all on your policy, you’ll want to be sure your health care policy will pay for a family health checkup. When all family members are examined simultaneously, the doctor can compare their common diseases, which may require a change in their diet or exercise regimen. Having a doctor familiar with each family member’s medical history is valuable.

Most doctors who accept new patients want a complete patient exam, called an initial health screening. Be sure your insurance company will cover this. You’ll also want the policy to cover a visit that includes an annual complete check on all systems. The most important thing is understanding your policy and knowing what it covers.

It’s a fact: everyone needs health insurance. No matter how old you are or how much money you make, you should never go without a health insurance policy.

Yet in 2013, the LIMRA Life Insurance Barometer Study found that only 62% of Americans have health insurance. If you’re one of that 62%, now is the best time to seek out health insurance agents for an effective health insurance policy.

Here are the four reasons why you shouldn’t go without a health insurance policy from health insurance agents:

1. Not having health insurance could cost you even more: Accidents happen all the time. And a trip to the emergency room without a health insurance policy could cost hundreds of dollars, depending on what your emergency is. Personal medical insurance from health insurance agents is essential in saving you from going into debt over an accident.

2. Having a health insurance policy means you’ll be more likely to get preventive care: People who have a health insurance policy from health insurance agents are statistically more likely to go to their doctor for regular check-ups and screenings. These are essential for making sure you spot any serious illnesses before they become inoperable or fatal.

3. Health insurance is protecting yourself: You have car insurance and homeowner’s insurance — so why wouldn’t you get insurance for your own body? Health insurance agents offer policies that can ensure you stay safe in the event of an emergency. Your health comes first, which is why you should pursue a personal insurance cover.

4. Independent health insurance agents can work with you to find the right policy for your needs: Health insurance agents are experienced at getting the most affordable policies for their clients. No matter what your budget is, you can afford health insurance. Protecting your health isn’t an option. Find out more about this topic here.