Top Four Health Insurance Myths
Between working, going to school, and hanging out with friends, there’s barely enough time left in the day to sleep, much less think about your health insurance coverage. If the above sentence sounds eerily familiar, then you’re not alone. Recent studies have shown that young adults are one of the largest groups of uninsured in America. Unfortunately, health insurance is one aspect of your life that you can’t afford to ignore.
Even though I’m a doctor now, I still remember what it was like as a college and medical student, scrapping by on literally dollars a day. Health insurance wasn’t one of my top priorities then either, but after seeing in my later professional life the devastating long-term injuries (both financial and physical) that many young adults suffer when they don’t have adequate health insurance coverage, it’s something that all young adults need to take a serious look at.
Unfortunately, many young adults don’t even investigate their health insurance options because of myths that have been perpetuated by well meaning friends, family, or associates. Because being uninsured can cause severe personal repercussions, including crippling amounts of medical debt or severe, long-term health problems, let’s dispel these myths once and for all.
Myth #1: I’m never sick so I don’t need health insurance.
While it’s true that young adults are some of the healthiest people around, no one is bullet-proof. Even the healthiest young adult can get a serious illness like cancer or suffer a devastating accident. Remember, the point of health insurance (or any insurance for that matter) is to protect you against a random, catastrophic event that could devastate you financially. With health care costs in the tens of thousands of dollars for many accidents and illnesses, you can’t afford to be uninsured.
Comments
Money Saving Tools
