A Message to Millennials: It’s Time to get Health Insurance

Nov 2, 2016
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.

Time to get Health Insurance

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 window shopping 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 window shopping tool we shared earlier, or meet someone in-person for free enrollment assistance 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. If you currently don’t have health insurance, Nevada Health Link is here to help. As part of a Qualifying Life Event (QLE), you may be eligible for a Special Enrollment Period (SEP). In other words, certain life events or situations, such as job loss, income change, marriage/divorce or birth/adoption of a child, may allow you to enroll in an insurance plan through Nevada Health Link outside of the annual open enrollment period.

All of our health plans exist to reduce the costs of health insurance and make sure you are covered. We’re always to help, so don’t hesitate to reach out for assistance.