My father always said you learn something new every day and this applied when I got my first real job. According to him we had some details to sort out. I wanted to do everything my self but I definitely needed him to guide me. I did not realize it at the time but he would be right.One of the things his infinite wisdom shared with me was that now that I got a job how was I going to use and budget the money. One of the criteria on his list was paying for health insurance. I was old enough now that I was no longer going to be covered on my parent’s policy and when I found out how much they paid I was certain that I was going to wait before I purchased it. I had more important things to spend my money on.Well we discovered that my employer had a really inexpensive plan that according to my dad was sufficient coverage. The plan covered all visits to the doctors, dentist and all prescriptions and this was paid with a co payment at the time of need and that was only $15.00. Not to shabby when you consider that a doctor’s visit for something a common as the flu could put you out $125.00 including medicine, not to mention the follow up visit. It also covered me from any major illnesses and emergency hospital needs. Any of that was under a deductible of $2500.00, this kept my monthly payment low that was conveniently taken out of my check every two weeks.Health insurance really never seemed like a big priority for me. I needed spending money for my weekend trips with my friends, important stuff like skiing, hiking and canoeing. I knew dad’s advice was solid so I made sure it. I honestly considered canceling it, none of my friends had it but then again most of them did not have a job. I was young, strong and in great health, what a good waist of money.On one of my absolutely necessary canoe trips as we returning to the boat ramp I was severely bitten by a rattle snake. It did not look like I was going to make it but here I am today alive and kicking. I would like to add my tab up for. A helicopter ride, ten days in intensive care, five days in recovery and a boat load of prescriptions I got when the infection started up. That added another 5 days of follow up visits. This would cost me the rest of my life if I was not covered. For a measly few dollars a month a life time of security. Dad was right!

Online health insurance quotes will let you know the basic cost of what your coverage will be. If you get some decent individual health insurance you will be safe from medical debt that can get really bad.