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.
CT扫描要多少钱? Between $300-$6,750, depending on where it is performed. 你需要一个心脏支架? The cost of that delicate procedure can cost between $11,000-$41,000. 膝关节置换术怎么样? 总费用平均为31,124美元.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, 许多美国人都有医疗AG捕鱼王在线app下载, 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, 一次意外的医院之旅, 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, 即使你是千禧一代, or a member of Generation Z just leaving college. You might have a five-figure debt already; could you handle another one, 也许很少或根本没有警告?
自保要花多少钱? 这里有一个估计. 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. 一年的费用是5256美元. 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
这是另一个投影. 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. 它不能代替现实生活中的建议, so make sure to consult your financial or healthcare professional before modifying your insurance strategy.
如果你没有AG捕鱼王在线app下载, 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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