health insurance preventive care
5 Ways Health Insurance Stops Big Out‑of‑Pocket Bills
5 Ways Health Insurance Stops Big Out-of-Pocket Bills Health insurance prevents massive out-of-pocket bills by covering preventive services, capping annual costs, negotiating provider rates, offering financial assistance, and protecting you from surprise out-of-network charges. Without those safeguards, even routine care can become a financial shock. In 2025, 8% of Americans