One of the toughest things about health insurance is understanding the importance of continuing coverage during the months, or possibly even years, when it seems like you never really use your policy.  Now that monthly premiums are on the rise, you may be asking yourself if health insurance is really worth maintaining.  As licensed insurance agents, we often talk with people who obtain health coverage, possibly have a needed surgery or procedure, and then consider cancelling their policy.

Although that may seem like a logical financial decision, it’s important to understand that health insurance is not something you get because you are injured or ill, but rather something you maintain in case you are injured or become ill.  (more…)