Health Insurance For Twenty-Somethings
Many young people don't realize the importance of health insurance. They're covered during college through their parents' plan, and after they graduate it isn't high on their list of priorities-- especially if they are working part-time or taking unpaid internships. It's easy to forget about being insured during this period between school and that first big job. Young people often think they are invincible-- they are happy, healthy, and nothing bad can happen to them. Unfortunately, this attitude could mean catastrophe in the case of an emergency.
If you are a recent grad, you know it could be years before you get a job in your field. You could be doing temp work, freelancing, or even serving drinks or selling shoes in the meantime. And after you do lock down that dream job, there is no guarantee the company that hires you will offer health insurance.
Even if you are healthy it's necessary to be covered. If you become unexpectedly ill or injured, you have the peace of mind of knowing it will not destroy you financially. Face it: if you get sick, you already have enough to worry about-- you don't want to worry about where your next meal is going to come from, too. And if you think you can't afford health insurance, it means you can't afford not to have it. If the monthly payment seems steep, imagine the tens of thousands of dollars in medical bills you could be stuck with if you don't have coverage.
But it's not just the worst-case-scenarios. The fact is, if you are insured, you get better care. It's not just about saving money, it's about taking care of your health. If you aren't insured, you are less likely to go to a doctor to deal with the little things. You probably won't get regular check-ups, and you'll be hesitant to make an appointment for a sore throat or headache. However, even the most basic symptoms can be warning signs for more serious conditions. If you have health insurance you are more likely to see a physician about your symptoms, and thus, you are more likely to stay healthy.