Prioritize Your Health Insurance: Why It Should Be at the Top of Your To-Do List
Does this sound familiar? You wake up with a hundred things to do, and the list only grows longer as the day goes on.
- Take the kids to school
- Prepare meals for the week
- Pay bills that are due today
- Finish a work project before the deadline
- Do the laundry and dishes that are piling up
- Respond to clients
- Collect reviews for your business
These are just a few of the everyday tasks that fill your to-do list. They seem urgent and important because they impact your family, your finances, and your peace of mind. But somewhere down that list, there’s always something that gets pushed aside—something that’s often for you, like buying that shirt you liked online, taking a minute of “me-time” with a cup of coffee, or—more importantly—making sure you have the right health insurance in place.
Sound like you? You’re not alone.
Every day, it seems like there’s always something that needs to happen right now, and the tasks that matter to you are often the last to get done. Unfortunately, the things that get pushed aside are also the things that help maintain your health, your well-being, and your ability to handle everything on the first list. The longer you delay these personal responsibilities, the greater the toll it takes on your mental health and energy.
The Mental Health Toll of Overwhelm
We’ve entered a new era where mental health is no longer just a buzzword. In 2025, we’re starting to understand just how integral mental well-being is to every aspect of our lives. In fact, it’s become common practice to take a mental health day, the same way we would take a sick day when we’re physically unwell.
But there’s something many people still overlook, even though it’s just as important as the “mental health day” or finding time to relax: the importance of setting up the right health insurance. You might think, “That can wait until later.” But trust me, it can’t. As I’ve learned throughout my own personal journey, having the right health coverage is vital to not only protecting your physical health but also safeguarding your financial future and the well-being of your loved ones.
The Eye-Opening Journey of Health Coverage
For most people, having health insurance seems like something that is always there. Whether it’s from a job or a spouse’s job, health coverage is one of those things you take for granted. I’m sure you’ve heard, “The hospital has to treat you no matter what.” While this may be true in emergencies, the reality is a little more complicated.
Let me explain.
When you are taken to an emergency room after an accident, you will be treated—no question. However, let’s say you require extensive treatment or surgeries after the incident. This is where things can get tricky. Without insurance, hospitals will not continue care unless you can prove you can pay upfront for those surgeries and treatments.
Let’s say you’re diagnosed with something like cancer. If you don’t have health coverage, hospitals will want money upfront before any treatment is given. The idea that treatment will come regardless of your ability to pay is a dangerous myth. Without insurance, many people are left scrambling for funds they don’t have.
I’ve worked with clients who’ve had to face these hard truths. A lady’s father, for example, was diagnosed with cancer. He didn’t have health insurance and couldn’t get any until the next open enrollment period in January. Sadly, it was too late—he passed away before he could receive treatment. This is a story that will stay with me forever, and it’s a harsh reality for many.
Protecting Your Assets and Family
Now, you might be thinking, “That will never happen to me.” I get it. It’s easy to dismiss the need for health insurance until it hits too close to home. But consider this: if you were in a situation where you needed extensive medical care and didn’t have insurance, what would happen to your assets?
- Could you sell your house or take out a second mortgage to cover your medical expenses?
- Could you afford to take money out of your kids’ college fund or retirement savings to pay for treatment?
- What if you’re the sole provider for your family? How would they cope if you suddenly needed treatment and couldn’t work?
These are difficult questions to think about, but they’re necessary. Health insurance isn’t just a nice-to-have—it’s a non-negotiable part of your financial safety net.
I can’t tell you how many times I’ve heard from people who are terrified at the thought of having to choose between paying for treatment or losing everything they’ve worked for. For most, the answer is simple: health insurance. It’s the only way to protect your financial future and ensure your family is taken care of in the event of an emergency.
A Wake-Up Call in 2025
Now that we’re in 2025, we’re all more aware of the things that can go wrong if we don’t plan ahead. We’re prioritizing our mental health, our time, and our family. But the importance of health insurance often still gets pushed to the back of the list, just like the items you put off for “later.”
Think about it: If you have health insurance, you’re not only ensuring that you’ll get the medical care you need when something goes wrong, but you’re also protecting your assets, your income, and your family’s future.
As we continue to move forward in the new year, let’s make it a goal to stop pushing our health insurance to the back burner. It should be at the top of the list—along with the things that keep your family safe and secure.
How to Make Sure You’re Covered
If you’re reading this and you’re realizing that your health insurance needs an upgrade or you’re just now thinking about it, don’t worry—I’m here to help. As a health insurance advisor, I work with people every day to help them find the right coverage for their needs, no matter what stage of life they’re in.
It’s easier than you think. The first step is to schedule an appointment to go over your options. In just a short time, we can find a plan that fits your needs, protects your family, and gives you the peace of mind you deserve. It’s time to stop letting health insurance be a last-minute consideration.
So, as you sit down to make your list of goals and priorities for 2025, ask yourself: Have you taken the necessary steps to protect your health—and your family’s future? If not, now’s the time to make it a priority.
You’ve got enough on your plate already. Let me help you take health insurance off your list of things to worry about. Click here to schedule your appointment today. Together, we can make sure that this important piece of your life is taken care of, so you can focus on all the other things that matter.
Your health—and your peace of mind—are worth it.
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