Why Do We Need Health Insurance Companies? 
That is a great question ! I 'm sure that you are n't the only one who wonders ! The sad truth is though , that between costs of research and development , advertising and marketing , and protection from litigation , most health products are considerably more expensive than they need to be . Services , salaries and overhead contribute to costs also . Could you afford to have a medical emergency without health insurance ? Guess what - 60 % of all bankruptcies are a result of medical emergencies . There 's a great reason . Thanks for asking ! 