24 Jan

Health Insurance

It’s not just for the unhealthy

By: Anya Martinez

'1 Emergency Room-HealthInsurance-Medicare'

Many young adults and working professionals underestimate the importance of a solid health care plan. Being younger and healthier means that many of your medical expenses can arise from unexpected illnesses and emergencies. Unplanned trips to the hospital can take a huge chunk out of your bank account and if you don’t have a solid healthcare plan, you might put yourself into some serious debt. An ambulance ride alone costs anywhere from $350-$800.

smalllogo.jpg: Lebron James: 2Pac: Robert Gates: Naacp blasts Tea Party for 'racism': softball: Shopping

Young adults have the highest rate of uninsured of any age group, 30%. It seems the younger generation just doesn’t think insurance is important. However, health insurance is probably the most important investment in your life. The last thing you want to be focused on in an emergency is the cost of every little test the doctors are administering.

If you’ve just left college, you may still be on your parents’ insurance plan. Thanks to the Affordable Care Act, young adults receive coverage from their parents’ plan until they are 26 years old. But keep in mind your coverage may be limited.

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If you’re looking for coverage on your own it’s good to bear in mind that the younger you start, the more cost-effective your plan will be. If you’ve just started a new job, seek out your employer’s healthcare plan. This is the least expensive option if you’re strapped for cash. Only by the coverage you need. Review you’re employers plan to make sure you aren’t paying for more than you need.

So if you’ve never considered how important a healthcare insurance plan is, think it over now. It’s an investment worth paying for.

smalllogo.jpg: Lebron James: 2Pac: Robert Gates: Naacp blasts Tea Party for 'racism': softball: Shopping


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