1. Addressing the financial burdens of illness or injury What If I Get Sick or Injured? The rising costs of medical expenses and premiums for health Insurance to cover them is big news. When you're healthy, health care plans are usually far from your mind. You probably can't imagine being sick or injured enough to justify paying premiums that seem to simply disappear, never to provide any value or benefit. However, it could take one fall or However, it could take one fall or an insect bite to find you in financial trouble. That's a dramatic statement and one that thousands of people have found is true. There are three ways that an illness or injury can affect your finances, including: Check all that apply. The direct out-of-pocket costs of a doctor's visit, hospital stay, or surgery. The cost of your insurance premiums. The lost income that results when your illness or injury renders you unable to work. The direct out-of-pocket costs related to your rehabilitation. These financial consequences can be so severe that of all personal bankruptcies are caused by health care-related debts. The good news is that recent legislative changes have created programs to protect your health and personal finances. While these programs eliminate your choice of whether to obtain health care coverage, they do allow you to choose the source of your coverage. Depending upon your age, you generally have three alternatives: you can stay on your parents' health care policy until you are years of age; you can purchase policy in the private health care marketplace; or you can obtain a policy from your employer. A plan that an employer offers is an example of plan. Historically, most employers for their employees' health care coverage. As the costs for health care and insurance to cover it have , employers' payments for their employees' health care coverage have 1. Addressing the financial burdens of illness or injury What If I Get Sick or Injured? The rising costs of medical expenses and premiums for health Insurance to cover them is big news. When you're healthy, health care plans are usually far from your mind. You probably can't imagine being sick or injured enough to justify paying premiums that seem to simply disappear, never to provide any value or benefit. However, it could take one fall or However, it could take one fall or an insect bite to find you in financial trouble. That's a dramatic statement and one that thousands of people have found is true. There are three ways that an illness or injury can affect your finances, including: Check all that apply. The direct out-of-pocket costs of a doctor's visit, hospital stay, or surgery. The cost of your insurance premiums. The lost income that results when your illness or injury renders you unable to work. The direct out-of-pocket costs related to your rehabilitation. These financial consequences can be so severe that of all personal bankruptcies are caused by health care-related debts. The good news is that recent legislative changes have created programs to protect your health and personal finances. While these programs eliminate your choice of whether to obtain health care coverage, they do allow you to choose the source of your coverage. Depending upon your age, you generally have three alternatives: you can stay on your parents' health care policy until you are years of age; you can purchase policy in the private health care marketplace; or you can obtain a policy from your employer. A plan that an employer offers is an example of plan. Historically, most employers for their employees' health care coverage. As the costs for health care and insurance to cover it have , employers' payments for their employees' health care coverage have