I’m Healthy, Why Do I Need Health Insurance?

Health care costs can happen quickly, and they add up! No matter how well you take care of yourself, your future health isn’t guaranteed. Catch can help you find the best plan for the best price.
Health care costs can happen quickly, and they add up! No matter how well you take care of yourself, your future health isn’t guaranteed. Catch can help you find the best plan for the best price.

By Catch on October 15, 2021
Last updated October 19, 2021



Health insurance gives you some control over unpredictable costs that come along with your health. No matter how well you take care of yourself, your future health isn’t guaranteed. That means the cost of getting or staying healthy can be hard to predict. Even if you haven’t needed any medical care in the past, that can change from an accidental injury or unexpected illness. 

Let’s break it down into real world scenarios

Take Emily, who is deciding between a health insurance policy with a $1,500 deductible and 20% coinsurance or going without health insurance for the year. If Emily unexpectedly breaks her leg attempting the latest TikTok challenge, she’d likely pay $7,500 out of pocket, but only $750 if she had gotten covered. Or, say Emily decides to have a child this year. Without health insurance, she could be on the hook for $20,000 or more in prenatal and delivery costs, even without complications or a c-section. With insurance, this cost drops to $3,800. 

Here are the facts

Not convinced by the hypothetical? The facts are more sobering. In America, the average surprise medical bill is $2-3k and emergency medical costs account for 62% of all personal bankruptcies filed in America. Even more worrisome, the majority of Americans are unable to cover emergency medical expenses over $1k.

To find the best plan at the lowest price, start here. 

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