Insurance is one of those ironies of life.   You know you should buy it; but, you hope you will never need to use it.

There are many types of insurance that are designed to cover many types of risks.   Life Insurance, of course, is unique in that you will only use it once and never for your own benefit.   Property & Casualty Insurance as well as Auto Insurance is, primarily, meant to protect your assets from damage or from the claims of those you may have injured.

Arguably, the most important type of insurance is Health Insurance.    It has been said that of all of the things we may possess, good health is our most prized possession.    Since most of us are not so wealthy that we can afford to risk the expense of long and costly health care, health insurance becomes an important safeguard to have in place.

Yes, it is true that Health Insurance premiums continue to increase at an alarming rate making it almost impossible for some small businesses to obtain adequate health insurance coverage for their owners and employees.    However, we must accept the fact that there is always a price to pay to get what we need; and, it is hard to argue that we do not need Health Insurance.

Whether we are young or old; active or sedentary; come from a good gene pool or have a family history working against us, we all run the risk that we or a family member will become seriously ill or injured sometime during our lives.  Short of an unlimited source of money, we can only protect ourselves from such an unfortunate circumstance with Health Insurance.

Health Insurance not only provides the obvious benefits to you and your family, it can also help keep you in business.   Without Health Insurance, the expenses of any extended health care and treatment could wipe out your savings and force you to lose both your personal and business assets.   Further, many Health Insurance Plans provide for the costs of preventative health care which can go a long way to reduce absenteeism and boost the productivity of you and your employees.

It is becoming nearly impossible to live with the rising cost of Health Insurance; but, can we really live without Health Insurance.   Time will tell if health care reform helps or only serves to make matters worse.