What is a major benefit of having health insurance?

Having health insurance plays a crucial role in managing healthcare costs and facilitating access to necessary medical services. One of the major benefits of health insurance is that it helps individuals cover the costs associated with medical care, which can often be quite high. With insurance, individuals typically pay lower out-of-pocket expenses for doctor visits, hospital stays, and other necessary services, making healthcare more affordable.

Additionally, health insurance often provides greater access to a network of healthcare providers and specialists. This access is essential for preventive care, regular check-ups, and treatment of serious health conditions. Furthermore, many insurance plans encourage preventive care by covering routine screenings and vaccinations, ultimately contributing to overall public health.

The other options, while they may hold some truth, do not accurately reflect the primary benefit of health insurance. For instance, health insurance does not guarantee that health issues will not arise; rather, it provides a safety net for when they do. Similarly, while some policies might offer free check-ups, this is not universally the case, and availability can vary widely by plan type. Lastly, health insurance does not typically allow for unlimited access to all medical facilities, as most plans have networks of providers and may impose certain restrictions on coverage.