Before this year, my wife and I didn’t have health insurance. We were hedging our bets that we’d be healthy and wouldn’t have a major health catastrophe. For the most part, those three or four years, were extremely lucky and nothing major happened. The only complications were a hairline fracture in my cervical vertebra during a summer of softball and when I needed some medication for traveling abroad. In both cases, I was rescued through a network of good friends who were in the medical and therapeutic fields. I’m glad we have health insurance now. Instead of reacting to problems, we can now be proactive. We don’t have to suffer and wait to see if pains will just go away by themselves. Not only will be be protecting our most valuable asset, us, but we’re also ensuring that we won’t have to spend thousands of dollars in future medical bills by keeping ourselves healthy now.

Several people have asked me for some tips on how to find health insurance. I didn’t mean to scare anyone, but if my intense pain reminds someone to get insurance, at least something good came out of it! I did do some searching myself last year - the good news is that if you are young and in good health, you can get some high-deductible insurance for around $100 a month. The deductibles may still reach in the thousands, but $5,000 would be the least of your worries if you had just one serious incident. A reader got billed $3,075 for each CT scan taken!

Finding Health Insurance Options For Young Adults at My Money Blog