3 Reasons to Invest in Health Insurance at a Young Age

It’s understandable why some individuals may decide to go without health insurance –– particularly during their 20s and 30s. After all, health insurance isn’t cheap. The average monthly health insurance premium for a single individual in the U.S. is about $320 a month. That translates to over $3,500 a year! And if you don’t make it a point to regularly visit your doctor, you may not understand why you even need to spend any money on health insurance. If you’ve had thoughts along those lines, then this blog is for you. Here are three good reasons to invest in health insurance at a young age: 

Accidents Happen

One of the strongest arguments for getting health and/or life insurance at a young age is the potential for accidents. It’s impossible to predict exactly what your medical bills will look like over the next six months. Sure, young people are less likely to contract life-threatening illnesses like heart disease or cancer than people over 65, for instance. Yet, at the end of the day, accidents and anomalies occur all the time. This means that if you have a serious medical issue, but didn’t bother to secure health insurance, then you could wind up paying tens of thousands of dollars out of pocket for treatment and hospital bills.

Preventative Care

In addition to helping people afford healthcare costs after the fact, most health insurance plans offer some level of preventative treatment as well. Some of these treatments include: 

  • Physicals
  • Pap smears
  • Vaccines
  • Cholesterol screenings

Note, no two health insurance models are exactly the same. Plus, even the most comprehensive health insurance packages don’t cover all screening and preventative treatments. As such, it’s often a wise idea to seek out same day testing centers that can help you ensure your health and wellness –– regardless of your coverage plan. 

Low Prices

Just because the average health insurance premium is over $300 a month, it doesn’t mean that young, healthy people can’t find a better deal on the market. In fact, young people can secure excellent health insurance and lock in very low rates and premiums. Since health insurance providers want to incentivize young people to sign up, they’ll often be willing to lower costs and offer bonus features for young, healthy individuals. Signing up now could end up saving you a fortune in the long run. 


The stark reality is that no matter how well you look after yourself, it’s still important to invest in health insurance. Fortunately, once you find the right provider, you’ll be able to create a plan that works for you!