The home Internet user faces a hostile environment abundant in potential attacks on their computers. These attacks have been increasing at an alarming rate and cause damage to individuals and organizations regularly, and have the potential to cripple the critical infrastructures of entire countries. Recent research has determined that some individuals are not utilizing additional software protections available to mitigate these potential security risks. This paper seeks to further examine the reasons by proposing a conceptual framework that utilizes the Health Belief Model as a possible way to explain why some people do not perceive a threat sufficient to prompt the adoption of computer security software.