Kunal T

Life, abundant of surprises, can either have favorable or unfortunate outcomes. Unfortunately, spontaneity is inevitable and anything can happen to anyone at any moment. Insurance provides us with a safety blanket that we are protected and will receive help in times of need. Whether it be a sickness or a natural disaster that wipes out your house, insurance is necessary to ensure you have enough money to fix or rectify whatever went wrong. Although I am only nineteen years old, I have already experienced many obstacles in my life which could have been much more devastating if insurance was not protecting me, my friends, and my family.

During my freshman year of high school, one of my good friends, Evan Johnson, was suddenly diagnosed with cancer. I was devastated along with the whole school because no one was expecting this to happen to what seemed like undoubtedly one of the healthiest kids. Evan, with his upbeat demeanor, always had bliss covered all over his face. To Evan and his family, their expenses at the hospital the initial time was relatively expensive, however this was just the start to a costly battle. Luckily, my friend had health insurance which allowed his family to pay for cancer treatments such as chemotherapy and other cancer treatment procedures. He went through multiple surgeries which would have been excruciatingly expensive but his health insurance made it very affordable. Today, Evan is officially cancer free thanks to all the surgeries and treatments he went through. Insurance had a huge impact on the results of his treatments, and without it he may not have been able to get the right treatment in order to save him.

Another time insurance has impacted me was when I suffered a serious soccer injury. I have been playing competitive soccer since I was a kid and I have never had a serious injury. That was, until my junior year of high school. I was at a big soccer showcase in Las Vegas playing in a game with my club team. I was playing a great game until I was running and I suddenly landed gawkily and my knee buckled and snapped awkwardly. I immediately fell to the ground in aggravating pain and at that moment I knew I had seriously injured my knee. After going to a doctor, he told me I had torn my Anterior Cruciate Ligament (ACL) and most of my meniscus. This required surgery along with six to eight months of physical therapy. These medical expenses accrued steadily and were very costly. We could not have paid for it all if I didn’t have health insurance. I ended up getting two surgeries because of unexpected side effects from the first surgery. Additionally, I went to physical therapy for seven months straight. I worked hard every day as I was dedicated and motivated to get back on the field as soon as possible. With my fighter’s spirit, I knew I would be able to make my recovery as speedily as possible. This fighter’s spirit defines my persona perfectly.  Soccer was my passion and if I did not receive this treatment I would have never been able to play again. I am happy to say I played in my first soccer game seven months later for my varsity high school team. As a co-captain, I helped lead my team to state semi-finals, which was a major achievement. As intuitive as it might seem, none of this success would be possible without the dire assistance health insurance offers.

Not only does insurance help save lives, but it also helps teach you valuable lessons. You learn that your life can change in the blink of an eye and it is important that you are always prepared for the unexpected. Insurance is important to me because I know that if anything were to happen to my home or my loved ones I would have access to many resources to alleviate whatever problem I came upon. Health care, and health insurance has helped save millions of dollars and lives around the world. I soon realized, that it is bigger than society as a whole. Frankly, insurance should be made more obtainable and more affordable to more people all around the world. Everyone has something or someone that they value and they deserve to have those things protected. Although the topic of insurance is most heavily debated in modern day politics, one distinction that should be made mutual to each differing viewpoint is its significance in our society.

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