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Nearly one in five Californians are without insurance coverage, even though many are steadily employed. This is a dangerous statistic considering California ranks lowest in government medical assistance and reimbursement, according to The Wall Street Journal.

So what happens when those 19% uninsured get sick or injured and must get medical attention? In California, you can't expect Medicaid to cover much; they offer less than three thousand a year per person in coverage to those that meet their eligibility requirements. That would only cover a single overnight hospital stay, with nothing left in the budget for lab work, imaging, or prescriptions.

And since the California government reimburses so little to physicians, these practices and clinics are forced to raise their rates or turn away Medicaid and uninsured patients, effectively kicking them when they are down.

Some people playing the game of insurance roulette have found themselves facing economic disaster when the unexpected happens. A prolonged illness or serious accident could cost families hundreds of thousands of dollars- both financially and emotionally devastating. Imagine losing your home, your savings, and your security while battling cancer or recovering from pneumonia. And what about
something seemingly small like a broken bone that needs a little extra
attention?

Expenses for the "little things" really can stack up in a hurry.

Individual health insurance shouldn't be considered a luxury expense, it's a necessity. No one can predict an accident or illness, so why should anyone go without the financial protection afforded by health insurance? Who can afford not to have health insurance these days?