Each week, we get hundreds of emails from our clients and people looking answers to their health insurance related questions.
One of the most common questions we get is, “Do I need a health insurance plan in my 20s? What if I go without it?”
While it may seem like the perfect idea as in your 20s, you are mostly focused on saving money. You can also pay for the things you really want instead of worrying about premiums and other payments. However, this is faulty reasoning.
Healthcare Can Be Expensive
The primary reason being, healthcare emergencies can be downright expensive.
If you end up facing a medical emergency and don’t have insurance, you could easily find yourself overburdened by debt, and no possible way out of it.
A simply ski slope accident could end up with thousands of dollars in healthcare bills. The bills can rise sharply if you need a surgery or rehabilitation. During this time, you might not be allowed to work – meaning you will lose all your money and income.
Minor Things Can Turn Into Bigger Problems
At the same time, minor issues can turn into bigger ones.
When you don’t have health insurance, you tend to avoid getting treated for the smallest things, and they can quickly turn into chronic health issues.
With insurance, you can get preventive medicine and immediate treatment to help you avoid long hospital stays.
At The Very Least…
At least you should have a high deductible health insurance plan and a health savings account along with it. These plans are much lower in costs than other insurance policies. You will have to cover certain cost until it reaches the deductible, and then your health insurance will take care of the rest.
It Is Not A Luxury; It Is A Need
Health insurance is not something over the top; it is a necessity. While majority of people in their twenties would choose to go without it, you shouldn’t make the same mistake. If you find it expensive, we can help you secure the most affordable insurance in NY, depending on your needs.
Once you sign up with us at Affordable Health Insurance in NY and fill us in with the necessary details, we start evaluating plans from various insurance carriers in our network, and find the one that suits you the best.
It is simple as that! Sign up with us and get started today!