3 Tips for Finding Health Insurance When You’re Under 30

Health insurance is something that’s hard to think about when you’re under 30. During this time of your life, you’re probably thinking more about going out with friends and getting to know that special someone — along with college, if you haven’t finished. Still, you will really need to step back and think about health insurance before it’s really too late. If you wait till you get older, you could have a hard time getting coverage because you might have picked up an illness without thinking about it, or developed a more risky lifestyle. As we get older, our thought sand wants change in a way that can affect our lifestyle.

It’s just better from every angle to really think about getting things on track before they get too far out of your control.

When it comes to getting health insurance, there are really three steps that you will need to take.

You need to sit down and really think about what you want your health insurance to cover in the first place. It’s tempting to just go with the cheapest plan, but don’t you want an insurance plan that’s actually going to be there for you when you need it? For example, what if you got seriously sick out of nowhere and had to spend weeks in the hospital? That could rack up a very serious hospital bill that could bankrupt you and ruin any chances of actually being able to live a good life. On the other hand, maybe you’re more or less concerned about the trips that you will need to take the doctor, which can be equally stressful. You don’t want to just think about all of the different things that you need to cover in the present — you will also need to think about anything else that you want to take care of in the future. For example, you might know that you really need to schedule a certain surgery to take care of a potential problem before it spirals out of control. Rather than trying to only think about the routine care that you need now, you will also want to think about the care and concerns of the future — it’s just the smart way to go about it.

Don’t forget that if you really want to stay with the same company, you will need to also make sure that your original policy can be modified to make room for the other things you might want in the future, like a family. That’s not to assume that everyone that will read this guide will ultimately want a family — some people are perfectly fine single, and there’s nothing wrong with that at all. However, if you really want to make sure that you have a health care plan that can be expanded for a family; the time to start is now.

So, the final step that you need to really consider here is how to actually find the health care insurance that you want. You will definitely want to go online instead of looking offline. It’s easier to compare quotes online and you can make sure that you really find a plan that not only is affordable but also gives you the services that you’re thinking about. It’s also a good idea to go online rather than offline because you can view everything form the comfort, security and privacy of your home rather than having to drive out in traffic just to have multiple companies picking into your information. Computers tend to be more secure than people — less fickleness that way.

Either way, when it’s time to think about health insurance, you don’t want to wait too long. If you take too long in looking for health insurance, the quotes that you looked up will expire. If you’re not sure how long a quote is good for, you might want to call the company and actually talk to someone that can give you that information.

As a parting note, you should keep in mind that you might have to submit to a medical exam, unless they tell you that a simple questionnaire is enough. Don’t look at it in a negative way — the company just needs to make sure that you didn’t submit false information. If you do have a preexisting condition, you might have to wait longer for your health insurance to kick in versus someone that doesn’t have any preexisting conditions.