This is a very good and frequently asked question. Some people might not need insurance. However, if you understand the purpose of insurance (to insure against the risk of the unknown), you want to be prepared with a safety-net. However, do you need to spend upwards of 25% plus of your income on insurance benefits - we think not. That's why Key Health Care offers a healthcare benefit mix that takes advantage of benefits that are "non-insurance", "low-cost" and which provide many of the same coverags of the more costly programs. We combine non-traditional benefits with traditional insurance, to deliver a product that is affordable by most, and which does not break the bank, all while delivering the benefits that are necessary. We specialize in ancillary benefits - those that typically cannot be paid over-time, such as prescription, dental, and vision. Let us customize a program for you today!