Hello friends and welcome to my first blog post! I’m new with the company and have never worked in the insurance business in the past. Before I heard about Empower Brokerage, and what we do, I was unaware of the financial crippling that comes from a lack of health insurance. On average, 59 percent of Americans would not be able to pay for a $1,000 medical bill. In my personal experience, most hospital visits cost more than $1,000 and I’m sure yours will too.
Don’t take it for granted
We all have the option to either live life on a knife’s edge or decide to protect ourselves and our family’s financial future. Deciding to protect your family or play the statistics game, which is not in your favor, is easy when you consider the odds. We all know that life does not play nice and whatever can go wrong will go wrong. Therefore, choosing to have protection in place is a smart move.
Health Insurance Testimony
Originally posted in a Bloomberg article, here are the words of a mother, with a family of four, who does not have health insurance. She alone is making over 100k per year, not including her husband, and is still suffering from lack of health insurance.
“We’re part of the population that’s healthy and isn’t paying into the system…”
“Every time my children do something remotely fun and risky, I’m envisioning in my head the horrible medical problems…”
“I live in a constant state of fear.”
Care for You and Your Family With Health Insurance
Personally, I do not want overbearing financial pressure in my life. Finding ways to decrease stress is very important to me. Health insurance exists to help mitigate the risk of high medical costs. Having insurance helps minimize the worry about major financial disaster and will allow me to live a more fun and healthier lifestyle. I think all families need health insurance to protect their children as well, because protecting the parents’ financial stability also protects the kids and their financial future. Without health insurance, one major injury could wipe out retirement accounts, college savings, and cause a family to liquidate assets. As responsible adults, we need to provide and care for our children.
Health insurance is a smart move for Americans and their families. Do not play with chance! Your stress levels will decrease dramatically knowing that your family is financially secure.
What’s Changing Today
In 2025, several important shifts in the healthcare landscape make insurance even more essential. According to Definitive Healthcare, the average hospital stay for Americans is 4.7 days. Medical costs continue to rise, with the average hospital stay in the U.S. now at $3,132 per day. When you factor in the average 4.7 days in the hospital, the U.S. average total cost is nearly $15,000, depending on the diagnosis and length of stay. Even minor procedures can result in large bills for uninsured individuals.
Fortunately, updated provisions under the Affordable Care Act (ACA) are expanding access. The American Rescue Plan and Inflation Reduction Act extended enhanced premium subsidies through 2025, making coverage more affordable for millions of Americans—especially middle-income families who previously earned too much to qualify. In fact, 4 out of 5 enrollees on HealthCare.gov can now find plans for $10 or less per month after subsidies.
At the same time, employer-sponsored health plans have broadened their benefits, with 91% of large employers now offering mental health coverage and telemedicine options as part of their standard offerings. These features, once considered premium add-ons, are now seen as vital components of a well-rounded health plan.
These developments mean that skipping health insurance is not just risky — it’s often unnecessary. With broader access, better benefits, and financial help available, the reasons not to get covered are disappearing.
Choosing to be insured today is about more than avoiding financial catastrophe — it’s about investing in consistent, high-quality care and protecting the long-term well-being of your family. Contact Empower Brokerage to speak with a friendly licensed agent and make a choice that supports stability, peace of mind, and a healthier future.
Agents
We hope that this information on the significance of health insurance is useful to you.
Empower Brokerage is dedicated to helping you make informed decisions about your health and finances. Whether it’s through webinar training, one-on-one calls, seminars, or marketing plans, we want you to be successful!
Give us a call at 888-539-1633 or leave a comment below if you have any questions.
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This article was updated on July 21, 2025.