This video addresses the question of why someone should have health insurance, highlighting its importance:

• Health insurance can be expensive, even though people may not use it often. However, there are compelling reasons to have it.

• While some individuals may believe they'll never get sick or injured, the reality is that healthcare costs can be substantial. On average, health spending per person in the U.S. is around $12,000 a year, and approximately 1 in 5 bankruptcies in the country are related to medical debt. Having health insurance serves as a financial safety net, protecting you from going broke due to unexpected health issues.

• In addition to financial protection, health insurance offers valuable benefits, such as free preventive care, including physicals, cancer screenings, and immunizations. It also provides access to healthcare resources, like diabetes management and tools for comparing prescription prices, which may not be widely known.

• Finally, health insurance provides peace of mind. It ensures that you're covered in case of unexpected health emergencies, offering a sense of security and protection against potentially dire consequences. While you may hope to not need it, having insurance can provide a safety net in times of uncertainty.