What is a consequence of not having health insurance?

The choice indicating that higher costs for medical treatments occur due to lack of insurance is accurate. Without health insurance, individuals are often responsible for the full cost of medical services, which can be prohibitively expensive. This situation leads to increased out-of-pocket expenses for essential healthcare, including doctor's visits, hospital stays, and medications. As a result, those without health insurance may delay seeking necessary medical care because they cannot afford it, leading to worse health outcomes over time.

Furthermore, without insurance, people might face higher fees for services that insurers typically negotiate, meaning uninsured patients can end up paying retail prices that include additional costs. Thus, the lack of coverage creates a significant financial burden on individuals needing medical attention.