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One of the big political tennis balls being bounced around Washington these days is the issue of health care coverage for Americans. After a while, listening to the debate gets tiresome and maybe a little irritating, but there seems to be an important factor being left out. Unmarried adults. We always hear about the need for families to have health insurance, especially when young children are involved, but we almost never hear of the twenty and thirty-something singles.

What if we started saying as part of the debate, “Young, working, single adults need to get individual health insurance today.” What would be the reaction? I’m not sure, but I do know that there are millions of people in this category who are new to the work force and are working jobs with less than stellar benefits. For most entry-level positions, individual health insurance is not part of the package. In cases where it is, the coverage may be minimal as a way of keep employer costs down. It’s not uncommon for the kid fresh out of college to take his first job and not have health insurance.

Quite often, young people in their twenties and thirties aren’t very concerned that they don’t have health coverage. After all, they are in the prime of their lives with minimal responsibilities and filled with optimism for the future. Their health is not a concern and they’re used to rebounding quickly after a routine cold or flu. Chronic disease or debilitating injuries don’t seem to be on their radar, as they consider those things usually to be reserved for older people.

So what options are available to young singles? There are three. The first is to not worry about your health and hope nothing goes wrong. In the event of a serious health issue, you can just let it go, ride it out, and hope it doesn’t kill you. Not a very attractive option. Second, you can keep an eye on your health and pay out-of-pocket for preventative medicine. If something serious occurs, you can apply for government assistance. This is better than the first option, but still not the greatest.

The last option is the one that makes the most sense and it is simple. Get health insurance. Yes, you will be paying premiums much higher than you want or think you can afford. But all of the latest electronic gadgets or expensive clothes in the world won’t do you a bit of good if you can’t use them because of poor health. So be the most important person in your own life. Get yourself covered under a health insurance plan.

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