Is there any point for a man in his early-mid twenties buying health insurance?

It looks like another $200-$300 or more per month that will make it harder to survive financially.
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Accidents are one reason to be insured...the other has to do with getting insurance after you find out you need it. In other words, say you're not insured. You go to the clinic because you don't feel good. They find something seriously wrong with you, like cancer. You know to get treatment will be mega expensive....so you go to get insurance. You can then be denied coverage of any pre-existing condition that you did not previously have insurance for. It's called creditable coverage. They can say, "yes, we'll insure you, but we won't pay for your cancer treatments for six months because you weren't insured for cancer before." I work in Employee Benefits....we help employers find the right insurance to offer their employees. We get asked about individual insurance quite a bit, too. If you don't go through an employer, try insurance.com to get started. Assurant/Fortis has decent plans, too. You claim to be healthy, but how do you know if you haven't gone to a doctor, which you're more likely to do if you don't have to pay full price. Definitely get insurance. Look for a higher deductible, but one that pays for office visits without having to meet that deductible first. Also, since you believe yourself to be healthy, the cheaper HMO plans would be better for you....HMO plans aren't generally as terrible as people think, IF you're healthy. The bad thing about HMOs is that they have what are referred to as gatekeepers...they are designed to tell you "no" to going to get your feet scraped and having acupuncture and the like. HMO means you have a pcp (primary care physician) and he refers you to other doctors if you need specialist, but, if you're healthy, you'll only need a pcp, and office visits are often free.
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