Having health insurance prevents the depletion of your savings owing to medical expenses. Because medical emergencies can happen at any time, quality control can be exceedingly expensive given the escalating cost of healthcare. Without medical insurance, savings might disappear quickly. The settlement of losses is the clearest and most significant advantage of insurance("A Roadmap to Health Insurance for All: Principles for Reform", n.d.). The tenets of effective health care insurance is as follows: Tenet One: Health care improvement Confirming the importance of primary care as the patient's first point of contact for the bulk of their requirements.