Life is full of twists and turns. Nobody ever expects the unexpected to happen to them, especially the young and healthy. But ask anyone who has been admitted to a hospital due to an accident or major illness if they had ever planned on such a thing in their life plans or schedule…
The Bottom line is everyone should have health insurance that accomplishes, at the very least, two objectives:
1) Financial Protection – Don't let an unexpected catastrophic event affect your life for longer than it takes to recover physically. Protect your assets and income while you get back on your feet.
2) Balance of Budget and Coverage – There is no sense in getting health benefits that don't fit a sustainable budget. Your plan must have adequate protection while meeting your budget. The goal is to maintain protection consistently so if the time comes that you need to use it, it is there for you.