What's The Point Of Health Insurance? 
Just like any other insurance , it 's meant to cover you when an unexpected event causes financial loss . But , unlike most insurance , health insurance is now structured to cover expected events along with the unexpected events . For example , set co-payments for routine health exams and maintenance , and set emergency room costs , before you meet your deductible and the insurance kicks in . But overall , the point of health insurance these days , is to provide you with better access to higher quality of health care providers ; which in turn leads to better health maintenance and prevention , and overall reducing your future costs of healthcare throughout your life . With health care costs continuing to climb due to our greatly aging and sickening society , it is important to have the best and most access to prevention and early detection of health risks , to reduce future health care spending as a whole . 