Is health insurance like car insurance? This is a question that many people have asked at one time or another. There are differences between the two and there are also many similarities, but can we really call health insurance "carpet bombing"? Car insurance is, of course, all about protection against loss or damage to your vehicle; the medical costs you will incur will depend on how well you prepare for them and your choice of coverage.
When it comes to health insurance, it is a little more difficult to determine exactly what kind of protection you need, because it's not really a sure thing what kind of medical problems you may have in the future. However, if you are someone who has a family, it is more likely that you will need coverage than an occasional driver or someone who never considers his or her health insurance. If you never considered having health insurance, then consider purchasing a few basic packages to cover the basics. Most health insurance plans cover preventive care at a low cost, and some will even pay for in-network doctors and hospitals, depending on the policy.
Car insurance, by the way, is a form of insurance - one that protects you against losses due to accidents or damage to property. It is required in all states as a prerequisite to own a car; some states require it for those who want to get their licenses, and others mandate it for those who want to rent vehicles. If you don't own a car and haven't ever considered buying one, then health insurance is the better choice. Car insurance can be expensive and most people find that the price of health care is much higher than the price of premiums paid for car insurance.