When you’re in your twenties, there’s a good chance you don’t have to worry about some of the health issues you’ll face when you’re older. You may even find yourself frustrated at the Affordable Care Act requirement to carry health insurance. One common argument from younger Americans that often comes up in online discussions is that if they’re young and healthy, they don’t need health insurance.


What many people in their twenties don’t realize is that health insurance offers important protection at any age. Health insurance is like a protective bubble that keeps you safe in case the unexpected happens. In this month’s blog post, our team of personal insurance pros at Value Plus Insurance explains how health insurance can protect you even if you’re young and healthy.


1.      Accidents happen at any age.

It’s easy to think if you eat right and exercise, you won’t need to visit a doctor. But the truth is that accidents can happen to anyone. Without health insurance, it’s tempting to treat a sprained ankle or another injury with home care.


But doing so can prolong your healing time or even cause the injury to worsen. However, treating an injury right away can get you on the road to healing fast and prevent future problems that could become costly and lead to missed work.


2.      Even if you’re healthy, you can still get sick.

Even if you’re careful with your diet and lifestyle choices and have a strong, healthy immune system, you are still susceptible to illness. Every flu season, hundreds of thousands of Americans come down with the flu virus. There are also dozens of common infections that can become quite serious and even life-threatening if not treated from ear infections to urinary tract infections. Health insurance can mean the difference between a minor illness and a serious one.


3.      Preventative medicine can protect you down the road.

What happens with your health in your twenties lays the foundation for your health later in life. That’s why it’s important to have a primary care physician who can assess your health needs and offer recommendations for your overall care. Your primary provider can perform a physical examination and help you stay up-to-date on any necessary vaccinations as well.


4.      Health care costs can be extraordinary.

Health care costs in the United States are extremely high and only going up. Even a simple visit to an urgent care clinic can end with expensive bills that hurt a person’s overall finances.


It’s not uncommon to read about individuals who lost their homes due to unexpected emergency surgery. Having health insurance can help to protect you from getting hit with medical bills you can’t afford.


Protecting Minnesota Millennials with Health Insurance

Good health is a cornerstone of a happy life. That’s why it’s important to protect yours. Having health insurance is necessary to avoid paying a tax penalty, but it also protects you from the unforeseen.


At Value Plus Insurance, our personal insurance experts can walk you through the oft-confusing process of health insurance. Give our insurance ages a call at 952-435-0550, or contact us to get help picking out the right plan for you.