Les Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove.
Les Masterson Deputy Editor, InsuranceLes Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove.
Written By Les Masterson Deputy Editor, InsuranceLes Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove.
Les Masterson Deputy Editor, InsuranceLes Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before cove.
Deputy Editor, Insurance Jason Metz Lead Editor, InsuranceAs a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak.
Jason Metz Lead Editor, InsuranceAs a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak.
Jason Metz Lead Editor, InsuranceAs a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak.
Jason Metz Lead Editor, InsuranceAs a former claims handler and fraud investigator, Jason Metz has worked on a multitude of complex and multifaceted claims. The insurance industry can be seemingly opaque, and Jason enjoys breaking down confusing terms and products to help others mak.
| Lead Editor, Insurance
Updated: Jun 12, 2024, 9:33am
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
Having health insurance can play an important role not just in your health, but it can also keep you from falling into medical debt.
Going without health insurance coverage can result in hefty out-of-pocket costs that can take years to pay off. A top benefit of a health insurance plan is that it covers a considerable amount of healthcare services.
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The best health insurance has many benefits, including helping you pay for potentially expensive healthcare services, especially if an emergency arises.
A Forbes Advisor survey found that 41% of respondents said they live paycheck to paycheck. Of those who are living paycheck to paycheck, 77% said they don’t have enough money in emergency savings to cover expenses for one month.
People in that financial situation may delay necessary healthcare or fall into further debt. Benefits that are called “Essential” and additional benefits include:
The financial benefits of having health insurance include getting help paying for your healthcare, having an out-of-pocket maximum that limits how much you pay out in a year and not worrying that you’ll have to pay the full tab if you need emergency care.
The Affordable Care Act requires that health insurance marketplace plans cover dental services for children, but health insurance plans don’t have to offer dental plans to adults. Our research found that only a handful of ACA plans offer dental coverage for adults. People who get coverage through an employer may have dental insurance as part of their company’s benefits package but it’s typically not included within health insurance coverage.
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Deputy Editor, InsuranceLes Masterson is a deputy editor and insurance analyst at Forbes Advisor. He has been a journalist, reporter, editor and content creator for more than 25 years. He has covered insurance for a decade, including auto, home, life and health. Before covering insurance, Les was a news editor and reporter for Patch and Community Newspaper Company and also covered health care, mortgages, credit cards and personal loans for multiple websites.
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