Health insurance for the young
Being young and health can make you think that you don't need health insurance at all. As with everything else, young people tend to think that it's too early for them to bother about health and coverage when they are perfectly healthy and fit. They leave to it for later when they'll really need it. Of course such simple logic is not very bright and the time when you will actually need health insurance coverage may come sooner than you expect.
There's a period of time when young people are vulnerable the most. Depending on the state, a young person is typically covered by their parents' health insurance plan until the age of 19. After the teen turns that age there are two possibilities. The first is that the person doesn't enroll to be a full-time student and this means that he or she will have to get an individual health insurance plan in order to stay covered. The second option is to become a full-time student and get health insurance at the educational institution for a much lower rate than a simple individual plan. This will allow the young person to stay covered until the age of 25, after which he or she will need to get health insurance on their own.
In many cases young people don't bother about getting a health insurance plan on their own after they turn older for a group insurance plan either with parents or the institution they are studying at. And that poses a great financial risk. Imagine having your leg broken or a bad case of intoxication. This might happen to a young person who is healthy, active and daring to try new things. Now, not having health insurance coverage in such a situation will simply result in astronomical medical bills that you will have a very hard time paying off. We're speaking about tens of thousands of dollars if you want to get adequate medical assistance. Having health insurance coverage in such circumstances would be really beneficial, don't you think?
So being young and healthy doesn't necessarily mean that you don't need health insurance. There are different situations that are hard to predict when a young person might need insurance coverage. So it really pays off to spend some time and get a plan, rather than going off without any coverage and paying a lot of money in case something goes wrong. Moreover, young individuals usually have lower rates since they are healthy and aren't expected to use their coverage like older people do. So take benefit of this possibility and get health insurance no matter how healthy you consider yourself to be.