Even when you are able to bear the cost for the doctor visit, without adequate health care coverage, you may not be able to acquire necessary medical tests, such as lab work and X-rays done.

For this reason and others, hospital emergency rooms generally experience a backlog and you can wait a few hours to be seen. Also, because it is an emergency room, unless you are in crisis, you may still go deprived of the needed tests that could rule out or ratify certain medical conditions.

Another reason that health insurance is so valuable is that it allows you to establish a history with a regular doctor that can get to know you and your medical conditions. When you use the hospital emergency room as a doctor’s office, you get a new doctor each time and you are unable to build a relationship with a primary care physician who can obtain to know you and your medical history.

While it is difficult, at best, to pay for the little medical issues that arise, without health insurance, those who develop serious illnesses may go without all-important treatments that could save or prolong their lives. If for no other reason, having coverage that would assist you through any austere illnesses that might occur is well worth the premiums that have to be paid.

Finally, those without enough medical coverage risk hurting their credit if they are unable to allot the bills after visiting the emergency room. Since we will all get sick at one time or another, it just makes good sense to arrange for the future.

Jacob Juneuloi is a heath and medical insurance editor on health insurance quotes & importance of health insurance. Read posts by Jacob Juneuloi on health insurance.