For many millennials, health care is the last thing on their minds. For others, health care is simply too expensive. And still, for some, a health insurance plan is just not worth the effort it takes to understand the different plans and enroll. However, no matter which camp you fall into, the actuality is this: it's time to get health insurance, and you need it now.
Health Insurance Confuses Me—It’s Overwhelming
Many millennials feel overwhelmed by the large number of plans available or the process for getting enrolled. While it can certainly seem complicated, there are diverse ways to navigate and understand all of the options available to you.
Take our pre-screener tool, for example. After you answer a few simple questions about your current situation, we can gather together all the plans you are eligible for. Not only will you be able to see what options are available to you, we also provide general cost and service breakdowns [link to a blog post that isn’t up yet], so you can make an informed decision on what insurance plan is right for you.
Health Insurance Is Just Too Expensive
Another common barrier to the enrollment process is the cost of insurance plans. As a millennial, you might be worried about affording high premium costs each month—but trying to pay for medical bills, should something go wrong, is much worse.
On top of that, there are many subsidized health plans that you may be qualified for. You can use the pre-screener tool we shared earlier, or meet someone in-person to see if you qualify for reduced fees and subsidies on a given insurance plan. Either way, you should stop worrying about how much insurance costs. Getting covered is an investment in your future health, and frankly, you can’t afford not to be covered.
Do I Really Need Health Insurance? I’m a Healthy Person
Yes, you need to be covered. Even if you’ve never had a serious health problem and you monitor your health with hawk-like vigilance, an insurance plan is still an absolute necessity. Serious health issues usually arise unexpectedly, regardless of your age, and the peace of mind that comes from knowing you are covered in the worst case scenario is well worth the cost.
In other words, you aren’t invincible. Getting insurance today will pay dividends tomorrow, so don’t wait. The health care enrollment season opened on November 1, 2016, and will stay open until January 31, 2017. See what plans you are eligible for at Nevada Health Link.