Determine your need.
If you’re healthy but want insurance “just in case”:
- Health insurance doesn’t have to be super-expensive. Higher-deductible policies can offer comprehensive coverage at low monthly premiums.
- If you’re an athlete who participates in high-risk activities like rock-climbing, weigh the cost. A high-deductible, low-premium health plan is considerably less expensive than a hospital stay or surgery.
If you have a family but don’t have insurance through your work: