The Real Cost of Being Uninsured

Life seems more expensive than ever. Groceries cost more, gas costs more, and many households are looking for ways to cut back. With budgets feeling so tight, it may seem tempting to drop your health insurance or not renew your IEHP Covered plan, especially if you feel healthy today.

But that choice could end up costing far more than it saves.

Even one unexpected illness or injury can lead to medical bills that quickly climb into the hundreds – or even thousands – of dollars. And these aren’t rare or extreme situations either. They’re everyday health issues that can happen to anyone.

Take a look at what common medical services can cost if you don’t have coverage compared to typical copays with insurance. The chart^* below shows how quickly costs can add up when you’re uninsured.

*These numbers reflect estimated 2026 costs and are meant to help explain how medical expenses can vary with and without insurance. Your actual costs will depend on your plan and the care you receive.

Without affordable health coverage, a single trip to the emergency room, a lingering cough that needs urgent care, or even a basic doctor’s visit with a medicine refill could put a major strain on your already tight budget.

This is why maintaining coverage is so vital now, even in tough times like today.

Whether you’re a current IEHP Covered member thinking of renewing or an uninsured resident searching for a new health plan, there’s great news:

IEHP has the lowest‑cost Silver plan in the IE through Covered California.

That means:

• More affordable monthly premiums
• Strong benefits that help protect your health
• Access to a large network of doctors, hospitals and specialists
• $0 preventive care, so your doctor can catch issues early
• Low‑cost generic medicines and primary care visits

Health insurance isn’t just another monthly expense. It’s peace of mind when life takes an unexpected turn. And with everyday costs rising, that peace of mind matters more than ever.

With IEHP Covered, you get the lowest-cost Silver plan in the IE, making it easier to stay insured, stay protected and stay healthy.