Young Adults Need Health Insurance Too

When you are young, you are immortal, right? Unfortunately, accidents happen to young people too.

The younger you are, the easier it is to shrug off buying health insurance. After all, you are healthy and you know it. So, what if you break a wrist and do not have health insurance? Do you have enough money to pay the horrendously high medical bill you will get later? Chances are the answer to that is no.

Sure, you may be in your early 20s or 30s and you just do not get sick like the older folk or have major illnesses. Or do you? What about the 23-year-old in your class who was just diagnosed with bone cancer? Does he have health insurance? Will he be able to pay for his treatments?

While you might think now of the bad news applies to you, the fact is that you are human and accidents can and do happen to anyone, young or old. No one has immunity from slips and falls, car wrecks, explosions, bus crashes, train wrecks, traumatic brain injury and, well, you get the idea. Plus, the younger you are, the more chances you take with your health. You may ride a motorcycle, rock climb, scuba or sky dive, ride horses or race cars. One wrong move doing any of those things and you may find yourself in need of medical care. Without health insurance, you have a problem.

Give some thought to taking out a catastrophic health insurance plan, designed to cover those who are in good health and do not need see the doctor too often. This type of plan offers a couple of major benefits for you: you are covered for major illnesses and the policy is cheaper than a standard health insurance plan. If you do contract a serious illness, you are covered. Now that is what you call peace of mind. If you want to save yourself a boatload of anxiety and stress over paying medical bills, this may be the route to go for you.

Everyone really should have some form of health insurance in place, because life happens and when it does, if you are not covered, the bills may very well bankrupt you. It never hurts to ask questions and check around. After all, it is your health that is at stake.

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