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Do I really need health insurance?
Do I really need health insurance?
Jess avatar
Written by Jess
Updated over a week ago


But isn't it expensive?

Think about it this way. The #1 reason people don't get health insurance is cost, but cost is also the #1 reason why you should get health insurance.

Why? Because going without insurance means taking a risk that could be much more expensive than paying for coverage.

If you get sick or hurt and need medical care, but you lack insurance, then you may face costs that are far higher than those of paying for your health insurance premiums.

Medical debt is the #1 cause of bankruptcy in the US

Even a routine illness or injury can result in large medical bills. With health insurance, you can control those costs and make sure medical bills don't turn into medical debt.

Paying a set amount each month means you'll have coverage when you need it. If something happens, insurance plans cap the maximum amount you'd have to pay in a year.

What's more, once you meet your deductible, insurance will share the cost of care even before you hit that out-of-pocket max.

Is there a way to pay less for health insurance?


If there's a way to save you money on your coverage, Catch will help make it happen. For example, you could save hundreds of dollars every month on your health insurance payments thanks to tax credits.

The government helps lower people’s premiums through what’s called advanced premium tax credits (APTCs), which come in the form of a discount to your monthly premium.

Catch makes sure that you get every credit you deserve. 9 out of 10 people with marketplace plans qualify, and the average savings is over $6,000 per year.

The amount you could save is based on factors like income, family size, and where you live, but the vast majority of the millions of people with marketplace insurance qualify.

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