医疗费用
When uninsured people end up in the hospital, “sticker shock” can follow. Just a quick look at the current prices for medical procedures can be sobering.
How much does a CT scan cost? Between $300-$6,750, depending on where it is performed. Need a stent in your heart? The cost of that delicate procedure can cost between $11,000-$41,000. How about a knee replacement? The total cost adds up to an average of $31,124.1,2,3
Are these the only costs associated with a hospital or outpatient visit? 不太. Think of the cost of the room, the medications, the anesthesia. 幸运的是, many Americans have health coverage, so they only have to pay a fraction of the expenses linked to these and other procedures. Those without health coverage may find themselves in financial pain.
These days, you may take a big financial risk if you go without health insurance. 只有一次事故, one surprise trip to the hospital, and you may be left with a debt rivaling an auto loan.
If you need to pay for your own health coverage, the cost may be well worth it. Imagining that you can go without it for the next five or ten years may not be realistic, even if you are a millennial, or a member of Generation Z just leaving college. You might have a five-figure debt already; could you handle another one, perhaps with little or no warning?
Just how much does it cost to self-insure? Well, here is one estimate. According to the Kaiser Family Foundation (KFF), a hypothetical 40-year-old non-smoker making $30,000 per year is projected to pay an average of $438 per month for a benchmark health insurance plan for 2022. That works out to $5,256 for a year. KFF报道, 虽然, that the monthly cost could fall drastically with the help of a premium subsidy via federal or state 政府ernment. This year, the national average cost of a Silver plan after a premium subsidy is about $67.4
Here is another projection. Looking at the 37 states in which residents buy coverage through Healthcare.政府, Investopedia calculates the average monthly cost of a benchmark plan at $392 for a hypothetical healthy 27-year-old, a price which could be lowered with subsidies applied.5
You can choose to put off paying a few thousand dollars a year for health insurance, 但是这样做的时候, you are also choosing to assume a great financial risk. A major medical procedure can cost as much as a new car, or a college education.
Keep in mind this article is for informational purposes only. It's not a replacement for real-life advice, so make sure to consult your financial or healthcare professional before modifying your insurance strategy.
如果你没有大发888dafa, take some time to look at your choices with someone who knows the insurance market. Do it today, as you never know what tomorrow could bring.
1. NewChoiceHealth.com, 2022
2. CostHelper.com, 2022
3. KneeReplacementCost.com, 2022
4. HealthMarkets.com, 2022
5. Investopedia.com, 2022
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