The state of health in 2012 is a good one. We will only continue to improve our health in numerous forms – how we exercise, how we eat, and how we make ourselves happier. The data and information that fuels that only continues to improve – showing exactly why our life expectancy continues to improve now and into the future.
Health insurance plans, however, are more necessary than ever. There is a continued push towards start-up culture – that is, starting your own business on the internet by clicking some buttons and basically acheiving through that method. While this is good, it also means that many young people are basically going head down with their businesses without really having a grasp on what makes sense, or what is safe for them. A good suggestion is temporary health insurance – it is these kinds of plans that help people in need for the short term stay insured until they can get a full time job.
As students, this kind of insurance policy makes sense, because it can fill the gap before hopefully getting a long term health insurance company when you hopefully get a job. Short term policies can cost a little more because there is an expected short term commitment, but this cost can far outweigh anything you encounter if you got in an accident or had some other medical emergency.
Other things students should think about when looking for a job – or working for a startup – is the steady state of their health plans. Are they getting enough coverage? Are they going on a trip abroad? Does that increase risk? What is their job? Is it more labor intensive? Am I just sitting around? Many health plans will account for this, but never assume – what makes sense for you may change, and you may continue to get charged the same. Which can be great, but if you’re only covered up to a small amount, skydiving might not be something you want to engage in.
Do your research, but health insurance almost always makes sense. Nobody wants hundreds of thousands of dollars in debt.