Health insurance is essential because it provides financial protection against the high costs of medical care. Without it, even routine doctor visits or unexpected illnesses can result in significant out-of-pocket expenses. Health insurance helps cover the costs of doctor consultations, hospital stays, surgeries, medications, and preventive care. It ensures access to quality healthcare services without financial strain. Additionally, health insurance often covers preventive measures like vaccinations and screenings, which can detect health issues early, reducing the need for more extensive treatment later. Ultimately, health insurance offers peace of mind, knowing that medical needs can be met without overwhelming financial burdens.