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Para el viaje, hay que comprar un seguro.

Para el viaje, hay que comprar un seguro.
For the trip, you have to buy insurance.
From Lesson 84:Impersonal obligation (hay que)·Spanish (Latin America)

Questions & Answers about Para el viaje, hay que comprar un seguro.

Why doesn't hay que change depending on who is buying the insurance?
The phrase hay que is an impersonal way to say "one must" or "it is necessary to." It never changes to match a specific person like "I" or "we." You use it with an infinitive (like comprar) when stating a general rule or requirement, which is why the English translation uses a general "you."
Could I use tener que here instead of hay que?
Yes, but you would need to conjugate the verb tener for a specific person. For example, tienes que comprar means "you (specifically) have to buy." Using hay que comprar keeps the statement general, meaning "it is necessary to buy," without pointing at anyone in particular.
Why is it Para el viaje and not Por el viaje?
Para is used here because it indicates purpose or intended destination. The insurance is specifically intended for the trip. If you used por, it would sound more like you are buying it "because of" the trip as an underlying reason. A good rule of thumb is that para points forward to goals and intended targets.
Why is there an un before seguro when the English translation just says buy insurance?
In English, "insurance" is usually an uncountable noun, so we do not typically say "an insurance." In Spanish, seguro refers to a specific insurance policy, making it a countable noun. Therefore, it naturally takes the article un to mean "an insurance policy."

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