Why do people with physically intensive jobs need health insurance? Don’t they get enough exercise at work?

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Asked January 9, 2012

1 Answer


Exercise is an important part of good health, but it cannot protect you against all illnesses, and may actually contribute to some maladies. Similarly, hard work poses health risks of different types, depending on the type of work you do. As a single example of the former, there is little that exercise and hard work can do to prevent catching an airborne illness and an example of the latter would be twisting an ankle or getting seriously cut during the performance of your job.

While even the best health insurance plans may have shortcomings, health insurance is the foundation on which your continued good health should be based. For the cost of a couple meals at a restaurant each month, you can be covered for internal and external conditions that would otherwise result in substantial out of pocket expenses.

A person who is otherwise good physical health can become afflicted with conditions such as diabetes or cancer. No amount of exercise or hard work can overcome these conditions and without proper medical attention they could both easily develop into life threatening situations. Health insurance, on the other hand, would serve as the financial means to deal with both, and might even help you overcome the illnesses completely. At the very least, having health coverage when you are diagnosed with them would mean you would be in a position to get the medical attention your require.

Some occupations carry health risks of their own, including the stress of an office environment or the muscular strain of a construction job. You might be in perfect health one week, and the next week find yourself in such agony that you are not able to perform your job at all. In a case such as that, health insurance would help you get back to work as quickly as possible, and the lack of insurance would simply mean that you either had to pay for medical costs on your own, or suffer through without any medical help at all.

Answered January 9, 2012 by Anonymous

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