Don’t Get Caught Without A Health Insurance Plan
Jan 15, 2009 Health Insurance
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Young people in their twenties and thirties are the most likely group to be without health insurance these days. There is a lot of talk going on in Washington about the need for a national health care plan, but all of the arguments seem to focus on families, children or seniors, leaving out the most underinsured group in the country.
What if we started saying as part of the debate, “Young, working, single adults need to get individual health insurance today.” What would be the reaction? I’m not sure, but I do know that there are millions of people in this category who are new to the work force and are working jobs with less than stellar benefits. For most entry-level positions, individual health insurance is not part of the package. In cases where it is, the coverage may be minimal as a way of keep employer costs down. It’s not uncommon for the kid fresh out of college to take his first job and not have health insurance.
Many young adults who don’t have health care coverage, don’t seem to be very worried about it. They’ve never felt better and are able to bounce back quickly after a cold or the flu. They are entering the prime of their lives as young adults and they are full of passion for life. Chronic disease is something for old people, certainly not the young.
So what options are available to young singles? There are three. The first is to not worry about your health and hope nothing goes wrong. In the event of a serious health issue, you can just let it go, ride it out, and hope it doesn’t kill you. Not a very attractive option. Second, you can keep an eye on your health and pay out-of-pocket for preventative medicine. If something serious occurs, you can apply for government assistance. This is better than the first option, but still not the greatest.
The last option is the one that makes the most sense and it is simple. Get health insurance. Yes, you will be paying premiums much higher than you want or think you can afford. But all of the latest electronic gadgets or expensive clothes in the world won’t do you a bit of good if you can’t use them because of poor health. So be the most important person in your own life. Get yourself covered under a health insurance plan.
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