Everyone’s health insurance needs are a little different, and there are many types of policies available to fit varying budgets, lifestyles, and health care requirements. Whether you are single with no plans to start a family or have a large family already, there is a plan that is right for you. When you shop around for health insurance, keep in mind the things that are most likely to be of concern to you and your family.
Young, Healthy And Single
If you are in good health, relatively young, and single, with no intention of
starting a family any time soon, you might be okay with a simple and less
comprehensive plan. Single men don’t need to worry about things like
maternity coverage, and even single women might be able to go without this
coverage if the risk of a pregnancy is low. You might be able to take out a
simple policy that covers your basic well visits with a doctor as well as some
catastrophic coverage to protect yourself in case of a serious accident or
major illness. Because you have only yourself to cover and are in good
health, options for low-cost insurance are easy to locate.
Starting A Family
Even if you don’t plan to have a baby right away, if you are in a position in
which a pregnancy is possible, it’s important to choose a policy with excellent
maternity coverage. Having a baby is extremely expensive, from the regular
obstetrician visits to the labor and delivery. Even if you have a simple,
natural childbirth, it can cost plenty. In the event of a cesarean section or
complications with the baby, the hospital bill can skyrocket. If having a baby
is a possibility, be sure you are covered for maternity and for neonatal care.
If you already have children, you will need a good, comprehensive policy that
covers all of the basics of childhood care as well as protection in the case of
accidents and illnesses that so commonly result in emergency room visits
and hospitalizations of young children.
As You Age
As you grow older your health insurance needs will change. You are more
likely to have health problems and will need your coverage more than ever.
Unfortunately, this can also mean higher premiums. It’s a wise idea to
remain with the same insurance company without a lapse as you grow older,
so that you won’t see major premium increases as the years go by. If you
do need to shop for health insurance later in life, choosing higher deductibles
and co-pay amounts can reduce the cost of your coverage.