Insurance

This is a question that has plagued the insurance industry for years and after countless interviews and surveys they are no closer to the answer than they were when they first started out. The reason behind this? Well it’s actually very simple. There are many mitigating circumstances as to why most people do not have health insurance but the main reason is, as it is with most things in life, the cost.

In a day and age where a gallon of gas is almost 3 dollars and the cost of living continues to rise while the wages stay virtually the same most citizens feel the need for food, shelter and clothing are greater than that of health insurance. Although some companies offer group insurance of some sort the premiums and co-pays may be a little too steep for the single parent trying to provide for two or more children and even for some working couples with two or more children.

Another reason is that most people don’t feel they really need insurance at this point in their lives. They are young, healthy and don’t foresee any problems in their immediate futures so why would they spend their hard earned dollars on something they will probably never use. The bottom line when it’s all said and done is this. Health care costs money.

Money that some don’t have or do not wish to part with at this time and until our health care system gets a drastic overhaul the number of uninsured people will continue to grow until the insurance companies take notice and devise a way to provide better health care at reasonable prices to everyone.