如果你没有医疗pp王者电子官网怎么办?
超过 3100万美国人 到2020年，65岁以下的人没有医疗pp王者电子官网. You might be asking yourself — do I need to have 健康pp王者电子官网?
对一些人来说， 健康pp王者电子官网 might seem like something that's not affordable or simply not a necessity. 事实上，据报道，在2020年 31.600万人 没有医疗pp王者电子官网. pp王者电子官网费用是主要原因 18-64岁成年人 2019年没有pp王者电子官网吗.
放弃健康pp王者电子官网的费用, 然而, may be more than just adding a monthly budget line item. T在这里 may be a penalty for not having 健康pp王者电子官网. Those without 健康pp王者电子官网 have lower rates of preventive care than those with insurance, which may lead to lack of diagnosis for chronic or severe conditions. And health visits that do require care may lead to insurmountable medical bills. 没有健康pp王者电子官网的真正代价是什么? 以下是一些见解.
经济成本可能是毁灭性的
Visiting a doctor for routine checkups and when you're sick is a way to keep chronic or temporary illnesses from getting worse. 当你有健康pp王者电子官网的时候, 例行检查之类的服务, 流感疫苗, 结肠镜检查, mammograms and pap smears are typically covered at no cost to you. In addition, think about what you would do if you were in an accident or became very ill. 是付pp王者电子官网费好还是 冒着高昂医疗费用的风险 还可能招致医疗债务?
医院经常向没有pp王者电子官网的病人收费 更高的利率 than those paid by private health insurers and public programs. That's because insurers are able to negotiate discounts with medical providers. 结果是, individuals with no 健康pp王者电子官网 are more likely to deplete their savings account, borrow money to pay medical bills and end up with medical bills sent to collections risking a decline in their credit rating. Medical bills are one of the leading reasons people file for 破产.
Even though the 2019 Tax Cuts and Jobs Act repealed the penalty for no 健康pp王者电子官网, 某些州(马萨诸塞州), 华盛顿特区, 新泽西, 罗德岛州, 加州和佛蒙特州)有 有州授权 在适当的位置.
The health costs of no 健康pp王者电子官网 are high
因为医疗费用 many uninsured people either delay seeking medical attention or don't get the drugs and treatments their healthcare providers recommend, even for major health conditions and chronic diseases. 结果是, uninsured Americans may experience poorer overall health and more hospitalization for what could otherwise be avoidable health problems for someone with 健康pp王者电子官网. And to the contrary, those with 健康pp王者电子官网 更健康 as they typically seek out medical care when necessary.
该怎么做?
You might want to shop for a lower premium policy with a high deductible. Even the most basic policy could give you access to negotiated discounts for charges and provide a cap on the annual out-of-pocket expenses. 这些上限可能很高, but they will likely be much less than paying the full price for a visit or procedures. You might have a $3,000 deductible for a procedure that costs $10,000. 3美元,000 plus co-insurance might be the total out of pocket versus the $10,如果你没有pp王者电子官网的话，你需要支付1000美元.
