Health Essay

681 words - 3 pages

When it comes to the topic of risk and insurance, the article “ weighing the risks of going without health insurance” discusses the probable costs of going with or without a health insurance. It mentions that there is only 10% chance for a person to have a medical bill of more than $13000 . This might lead to the fact that one would not buy the insurance and instead to take the chance. However, from certain prospective of the article, there are also some benefits of buying the health insurance. Individuals could make them life better off and save some money that they should have saved. Therefore, insuring oneself through the health insurance is better and riskless.
If the health insurance functions well, individuals could live a comfortable life and feel greater satisfaction than before. As the article points out that people are more at-ease when their insurance covers for the medical costs. On the other hand, not paying the insurance might make individuals hesitant towards going to a doctor until their sickness becomes more serious, increasing the risk of ending up with higher costs,and hence most common people are not risk lovers. By considering the above situation, one can state that paying for the health insurance is likely to make people live better, as individuals will be quick to reach a doctor and quick to recover.
Due to the presence of uncertain outcomes, when an individual makes a choice, hence she or he is taking a gamble, and one’s valuation of the outcome of that gamble does matter in some respects of this article. While the article points out towards the individual about the advantages and disadvantages of the situation, it does not establish a more sensitive approach towards the circumstances. That is, even if paying for the insurance does not fully justify the cost with the worthy medical services, it is known that a proportion of the amount paid as premiums has helped poor people in critical health situations. ...

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