When you're in your 20s, you might feel like nothing bad can happen. But life doesn’t always go as planned. Having health insurance can protect you in ways that matter now and in the future. Here are ten reasons why it’s worth getting covered early.
1. Accidents and surprises happen
Even healthy people can slip, fall, or get sick out of nowhere. A broken bone from playing basketball or a trip to the ER for food poisoning can cost thousands. With health insurance, you pay a lot less out of pocket, which keeps your savings safe.
2. Regular checkups are included
Most health insurance plans give you free yearly checkups, vaccines, and screenings. These visits can catch problems early, before they turn into something serious. For example, finding high blood pressure during a free checkup could prevent a heart problem later.
3. You spend less on everyday care
Simple things like going to the doctor when you have a cold or filling a prescription cost less when you're covered. Without insurance, a visit can cost over $150. With it, you might pay around $20 or less.
4. It protects your wallet
Medical bills are one of the most common reasons people fall into debt. If something serious happens, like needing surgery, health insurance can cover most of the cost. You only pay a set amount, which helps you avoid using credit cards or loans.
5. It takes a weight off your shoulders
Even when you're young, health problems can cause stress. Knowing you’re covered means you don’t have to panic if something comes up. You can focus on your job, school, or travel without worrying about what might happen if you get sick or injured.
6. Mental health is part of most plans
These days, many health insurance plans include therapy, counseling, and medication for mental health. If you're dealing with anxiety, stress, or depression, you can get help without paying the full cost out of your own pocket.
7. Insurance costs less when you’re young
Health insurance is cheaper when you're younger and healthier. If you wait until you’re older or already dealing with health issues, your monthly cost could go up. Signing up now can lock in a better rate.
8. It covers you when you travel
If you're going to school out of state or taking a trip, your insurance may still work. Without coverage, getting sick in another city or country can be very expensive. With insurance, you have help no matter where you are.
9. You build better health habits
People with insurance go to the doctor more regularly. That means small problems can get treated before they become bigger ones. Getting in the habit of caring for your health now can save you from bigger costs later.
10. You're planning ahead
Getting insured early helps you build a medical record and a connection with a doctor. If something long-term comes up, you're already set up. That makes dealing with any future health issues simpler and less stressful.
Insurance agents see this happen all the time. Andre Aversa, who owns Aversa Insurance, often works with young adults who are surprised by how quickly healthcare costs can rise. “Many of my clients in their 20s don’t realize how fast medical bills can rise,” he said. “Just one emergency room visit can lead to thousands in costs. Having insurance stops that from becoming a financial disaster.”
Two real-life examples
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Jane, age 23, slipped on wet pavement and broke her ankle. Her surgery and hospital stay could have cost $8,000. She had insurance and only paid around $600.
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Mark, age 27, came down with shingles and needed strong medication. Thanks to his plan, he paid less than $100 for everything.
Why this matters now
Waiting means taking a risk. Medical costs go up, and your health can change. Getting insured in your 20s means more choices and less financial worry. Whether you’re starting a job, going to school, or exploring the world, being covered helps keep things moving forward.
Picking the right plan for you
Think about what matters most to you. Look at:
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What you’ll have to pay before the plan kicks in (deductible)
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How much you pay when you visit a doctor (copays)
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Whether your favorite doctors are in the network
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If the plan helps with any medicines you already take
Some people can also get discounts through the government to make their plan more affordable.
Final thoughts
Health insurance in your 20s is not just about being prepared. It helps you stay healthy, save money, and avoid stress. Even something simple can cost a lot without it.
Take a few minutes to look into your options. Ask questions. Get help from someone like Andre Aversa at Aversa Insurance if you’re not sure where to start. One decision today can save you a lot of trouble tomorrow.
