Lack of Health Insurance Places Entire Families at Risk, if just one member of a family does not have health insurance, it adversely affects the health, emotional well-being, and financial stability of the entire household.

Lack of insurance can seriously strain families' financial stability, the committee found. Families with no members insured for a year are more than twice as likely as families with full coverage to incur medical expenses that exceed 10 percent of their income. Most uninsured families cannot afford to buy coverage independently.

Children in particular are affected by lack of insurance because they rely on their parents or guardians to obtain both coverage and health care for them. The negative experiences of uninsured parents in obtaining care for themselves may affect their willingness to take their children for checkups or enroll them in public insurance plans.

Studies demonstrate that uninsured parents delay seeking care for themselves and their uninsured children until the symptoms are more severe. These delays may result in unnecessary hospitalizations for preventable or readily treatable conditions.

The Basics of Health Insurance for Families :
A good personal health policy can policy can easily be expanded to offer health insurance coverage for an entire family. You need to assess you and your family's needs and budget to decide what type of policy you need and what health care services you want covered.

We'll help you understand how a good health insurance policy should protect you and your family, and then we'll help you design and find the type of policy that will fit your budget, and protect you in times of need.