Monday, March 16, 2009

Price To Pay For Not Having Texas Health Insurance

By Jordan FeRoss

Health insurance in Texas can seem out of reach for some people. Even if they are employed, they may forgo insurance because they think it is not affordable on their budgets. For those people working just to make ends meet and keep the lights on in their home, the thought of any more monthly bills can be too overwhelming.

There are many people that are in the ranks of the uninsured in the state of Texas. Having health insurance in Texas should be a high priority to those that can make a change and do something about it. What makes this terribly disturbing is that there are some companies (smaller ones that do not or don't want to offer health insurance to their employees. They are afraid that offering coverage to their employees would eat out of their bottom line-profits for the company.

A diminished quality of life is one of the risks people take when they are uninsured and that is a considerable gamble. People without health insurance in Texas do not see their doctors as often as they should and may not know about health problems and illness in time for them to be treated as well as they would have if they had seen their doctors sooner. And, without insurance and prescription drug coverage, the uninsured often look to over-the-counter or illicit drugs or alcohol to help ease pain or discomfort without knowing what is wrong because they haven't been diagnosed.

Some people may not realize that free health care is paid for by the taxpayers. They pay out massive amounts each year to take care of those that don't have health insurance in Texas. So it's up to everyone else that pays taxes to pay for the indigent care of others. Some taxpayers don't really care for that. They get incensed because they have to pay health care for other people that they don't know.

They also get incensed because their health care premiums go up as a result of it. They just don't feel it's right to pass it on to the taxpayers. Besides, they are the ones that work hard five to seven days a week, slaving and enduring office politics. They feel that they should not have to be the pawns for taking their hard-earned money and giving it away to pay for others, since they don't have health insurance in Texas.

Another downside for those that don't have insurance is that their resources are limited. They will still get some kind of health care, but it won't be top quality like it would be if they had health insurance in Texas. Having health insurance is crucial to getting quality care in any medical facility, whether it's a doctor's office or a hospital.

Preventing disease is the key to good health and a long life but this can be almost impossible for someone without adequate health insurance in Texas. Without the ability to afford regular check ups and treat simple illnesses before they become serious, the uninsured are risking their lives. When one looks more closely at the true cost of being uninsured, the monthly premiums start to pale in comparison. - 15246

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