Health insurance rewards outweigh any risk

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I worry that some individuals who have been postponing enrolling in a health care plan will hesitate further after reading articles like “Health Marketplace Sticker Shock Spreading” (March 25, Business). I get it: Buying health insurance is scary, because it’s risk vs. reward, and none of us has a crystal ball to see into our future. How much do you want to spend of today’s dollars to guard against tomorrow’s illness that may never come?

But consider this: Facts show that the large majority of purchasers have chosen the “silver” plan, balancing that risk vs. reward proposition. Also, I’m reading that a large number of insurance purchasers fall into the 18-34 age group, which is the lowest-risk category, so they are not driving our health care/​insurance costs up. On the contrary, they are balancing out the risk pool for the people such as me who fall into a slightly older age bracket.

Finally, think about the expanded coverage for women’s health services, immunization and other expanded preventive care coverage and the fact that you cannot be denied due to a pre-existing condition. The reward, it seems to me, outweighs the risk, so consider your options wisely and use the services of an Affordable Care Act navigator to guide you if you need it, but don’t go without because you’re scared off by anecdotal stories.


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