Insurance is a vital part of living because as humans, we never know what is going to happen when we wake up in the morning or go to sleep at night. Life has the ability to change in the blink of an eye through illness, natural disaster, or a multitude of other trials. The type of insurance that I could not live a day without is health insurance.
Health is one thing in life that generally, people take for granted. When a person is young, he or she generally functions without any major hiccups. Kids are able to run and play without receiving traumatic injuries. A scrape of the knee or a bruise on the arm is as extreme as it usually gets. However, one never knows if his or her child is part of the percentage of children with childhood illnesses. No parent ever wants this to occur to them, but we as people do not get to select the battles that we fight. A disease does not ask to invade your body, it just does, and humans are left to struggle through. I did not choose to fight the battles that I currently am, and my parents probably were not expecting to pay all those medical bills the first seventeen years of my life.
I was born with a pulmonary disease called Cystic Fibrosis. Though there are many problems stemming from CF, the primary issue is that my lungs become clogged, making it difficult to breathe and causing bacteria to grow in the lungs, a place where no bacteria should reside. Throughout my younger years, I flew by this disease, not being stopped by anything. I had minimal complications, and when I did, an antibiotic would do the trick. However, as one gets older with this disease and stops growing, complications arise and the lungs become more clogged. When I was a senior in high school, my lung function drastically decreased to the point where I was very tired, did not feel very good, and lost a lot of weight. As a result, I spent three weeks in the hospital in December of senior year to fix this problem.
I tell this story not so people feel sorry, but to convey how important health insurance is. Had my family not had health insurance, they would have gone into serious debt to keep me healthy. My hospital stay was long, but so much shorter than other people who have far worse things to deal with. My five-year-old neighbor’s mom had a ten-year battle with breast cancer. My friend, who also has Cystic Fibrosis, has had at-home IV antibiotics for months with no end. These people would not be able to get the treatment they need should insurance for health not be available. Humans are vital to the world, so keeping them healthy is the most important thing. Health insurance enables that.
Though health insurance is the most important kind to me, there are no doubt other types that help people daily with cost, grace, and safety. Home insurance is what keeps us feeling safe in the place that should feel safest. Coming home to find one’s belongings stolen or broken is so disheartening. Everything that one has worked for in his or her entire life can be gone in the blink of an eye, and without insurance, one would be unable to get those possessions replaced. Auto insurance insures the people against bad drivers, or it insures them against a bad day they have.
I walked into work one afternoon, not thinking that anything would be different about my car when I was done with my shift. I walked out to the parking lot after working a long, hard day to turn my key in the ignition. When I did so, I heard the loudest noise an engine could possibly make, so I turned off the car and called my dad. When he arrived, he looked under the car to find that the catalytic converter had been sawed off and stolen. Later I learned that this five-hundred-dollar part can be sold for one-hundred at a junk yard. Since these people sawed it off, they damaged another part, causing the repair cost to go to one-thousand dollars. Had we not had insurance, this would have been an expense that would be damaging financially and completely out of our control.
Auto, home, and health insurance are so important because they put the human race at ease. If something bad happens, it is not automatically going to break the bank and change lives drastically. Thankfully, people have a company to lean on to help in times of need. These times of need I have been through and those I will go through in the future will come with great relief knowing that I have insurance to stand with me.
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