Why Have Insurance?


Health insurance protects you from expensive medical bills when emergencies arise. It is important to have health coverage before the unexpected happens.


Health benefit plans cover preventive services like wellness visits, shots, and screening tests without upfront cost to you at the time of service. This means you can visit your doctor for an annual wellness visit and get recommended preventive services without owing any copay or deductible. These services help you stay healthy and avoid health problems that could occur in the future.

Lists of preventive services for: adults, women, and children

Individual Mandate

Federal law requires most people to have qualifying health insurance or pay a penalty. Learn about whether you're exempt from the mandate, the penalty if you don't have coverage, and types of qualifying health coverage.

Next Section: Finding Coverage

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Last updated: 10/12/2015