Joint vs. Single Life Insurance

Empecemos por los pros.

It covers medical expenses

A private health insurance policy covers certain medical expenses that public health system or Medicare doesn't.

It covers (some) hospital expenses
In the event that you'll require hospitalization, a private insurance policy could cover some of your expenses, and you'll be treated like a private patient.

And now for the cons - and there's a big one:

El costeEsto será un verdadero problema si ya tiene mala salud y no tiene ningún tipo de cobertura colectiva. Por lo general, las pólizas de seguro de salud individuales pueden costar unos pocos cientos de dólares al mes.