Tuesday, December 2, 2008

Young Invincibles

YOU ARE IN YOUR 20's or 30's. You feel healthy and somewhat indestructible. Common colds, the flu, or a stomach bug may try to wrestle you into the doctor’s office on occasion, but you have a history of winning that battle before the MD even gets a phone call. There is no reason in your mind that you need to have health insurance.

Maybe you had insurance until you graduated from college and were soon kicked off of your parents’ plan and now it may seem like an empty and unwanted expense. You just may be indestructible. In fact, the insurance carriers hope that you are. They call people like you “Young Invincibles” and they even create health plans tailored to you.

The truth is that this is the best time to go get health insurance because it is the easiest situation to be in to secure yourself a low rate and good coverage. If you wait until that first moment of vulnerability – a skiing accident, a bike fall, food poisoning, an emergency room visit, etc. – it may be too late and an even more unwanted cost may arrive in your mailbox…a non-negotiated, uninsured rate bill from the doctor’s office or hospital that could far exceed your yearly health insurance plan premium.

Health Insurance rates are less expensive than you might think. If you have the right agent to help you apply and get approved for the most appropriate plan you may even feel a greater sense of invincibility…with an added touch of maturity.



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