1. Protection Against Unexpected Emergencies:
   • Universal Coverage Mandate: Health insurance plans are required to cover emergency services, regardless of whether the hospital or provider is in-network. This is critical during life-threatening situations where choice isn’t possible.
   • Cost Protection: While you might still face higher cost-sharing for out-of-network emergency care (often balanced billing protections exist, but vary), the core emergency services are covered, preventing complete financial disaster from an unexpected accident or acute illness.
2. Potential for Supplemental Benefits:
   • Beyond the Basics: Many plans offer additional benefits that contribute to overall well-being, such as:
     • Dental & Vision: Often available as add-ons or included in some plans (especially for children under ACA plans).
     • Telemedicine: Virtual doctor visits for convenience and access, especially for minor illnesses or follow-ups.
     • Wellness Programs: Discounts on gym memberships, smoking cessation programs, nutritional counseling, or incentives for healthy activities.
     • Chiropractic/Acupuncture: Coverage varies but may be included for certain conditions.

Part 2: The Knots in the Lifeline – Persistent Problems with Health Insurance

Despite its vital role, health insurance is fraught with challenges that cause significant stress, confusion, and financial strain for consumers: