I agree with K.TULLAYA, Cost of living index in the US is higher than another country. Health insurance for American citizens pay any costs for the elderly and the disabled. The government has a health insurance program that covers medical cost and medicines for up to 80%.There is also a health insurance program for the poor population, including health insurance programs for children with low-income families, but many American citizens cannot the health insurance and pay all health insurance costs by yourself. Example of Workplace health insurance only covers the same treatment cost and medication cost that worker to pay most of the pay it that impacted for the group of unemployment about is losing access to Health Insurance. I think, Health Insurance is necessary in the US because Healthcare is very high cost because of high costing that the Resulting in more expensive Health Insurance too.