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Thursday, January 15, 2009

Get Yourself Covered By Health Insurance Today

By Ethan Kalvin

We are all aware of the political debates going on in Washington these days regarding the possibility of providing health care for all Americans. And though the discussions sometimes seem to take more attention than they should, there is one segment of the population that is overlooked in the debates, and that is unmarried young adults. Young single adults are more likely to be uninsured than other groups for many reasons.

Young single people today are often overlooked when it comes to providing health insurance coverage. Right after graduating college, they take their first jobs and usually end up in a entry level position. As insurance rates go up, companies are continually looking for ways to keep costs low, and excluding health insurance to employees in certain jobs is one way they do it.

Many young adults who don't have health care coverage, don't seem to be very worried about it. They've never felt better and are able to bounce back quickly after a cold or the flu. They are entering the prime of their lives as young adults and they are full of passion for life. Chronic disease is something for old people, certainly not the young.

So what options are available to young singles? There are three. The first is to not worry about your health and hope nothing goes wrong. In the event of a serious health issue, you can just let it go, ride it out, and hope it doesn't kill you. Not a very attractive option. Second, you can keep an eye on your health and pay out-of-pocket for preventative medicine. If something serious occurs, you can apply for government assistance. This is better than the first option, but still not the greatest.

The final option is clearly the best choice. It requires the young adult to get covered under an individual health insurance plan. The cost up front will likely hurt your pocketbook, but in the long run, it is the safest and wisest bet. It may seem very important to have the latest fashions and electronic gadgets, but without your health, you wouldn't be able to enjoy them anyway. Do yourself a favor and make yourself number one. Get some health insurance.

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