Because of the high cost of medical care, failure to obtain adequate health care insurance is very likely to result in financial hardship and even bankruptcy in the event of an illness or injury. Compared to the unassisted cost of a medical bill, health insurance pays for itself many times over.

Additionally, the federally mandated Obamacare requires that all US citizens (with a few exceptions) have health insurance by 2014 and ensures that affordable, comprehensive policies are now more accessible than ever.