It may seem like losing your health insurance coverage is no big deal. When you are in good health and not using it much, it seems that this is an expense you can live without. Sometimes it can be difficult to see the need in something as invisible as health insurance, but as many American’s have found out living without health insurance is like playing Russian roulette with your family’s financial future.

Medical costs, even for routine doctor’s visits can add up quickly and if you even need the most minor of surgeries, you will find that the bills are astounding. Many people with insurance struggle to pay their medical bills, but without it most people wind up declaring bankruptcy after accumulating medical bills become more than they can handle.

If you were to get ill, wouldn’t you want to be able to receive that lifesaving treatment? Wouldn’t you want to know that in the event of your death that your loved ones would not be stuck with your mountain of medical bills handing over all of your life insurance money just to pay off the debt.

Living without medical insurance could not only have a negative effect on you, but on those who you hold so near and dear to your heart. If you are currently living without health insurance it is time to step forward and do something about this crisis before it is too late.

Those who are living without health insurance only go to the doctor when they are very ill. They don’t get many of the preventative care that they need to stay healthy. By the time they seek treatment for a medical condition it will require them to either undergo extensive treatment or may be just too late. Doctor’s don’t treat those without insurance, unless they have enough money to pay for a visit up front, and many of the people who are living without health insurance are doing so because they don’t have the money to pay costly insurance premiums. Many of these American’s wind up in the emergency room, clinging to life, with an illness that may have been easily treated only a few months sooner. Even worse yet, if you are at death’s door by the time you arrive in the ER without insurance, you will find that the hospital will do very little for you. If they have determined that your chances of survival are not good they may allow you to go without treatment, since it is seen that you are going to die anyway, and they would rather save their resources for saving someone’s life.

Unfortunately this really does happen. If you head into the emergency room and the prognosis isn’t good, they may just avoid treating you, and without insurance you could just lie there and die. This is an unfortunate reality. Even sadder perhaps are all those who have treatable conditions such as high blood pressure and diabetes who could take medication to control their conditions and be just fine, but who forgo any sort of medical care or medications simply because they just can afford it.

In the end, you could still leave your family with a mountain of medical bills, which don’t die with you. This type of debt can actually be passed on to your surviving family members and the bills can be held against any value that you have in your estate. It is important to not only consider not only how losing you would impact your family, but how the debt of illness could plague your family for years to come.