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Health Care Reform:

Health Insurance & Affordable Care Act

Health Insurance for Young Adults: FAQ

Do I really need health insurance if I'm young and healthy?

That's a question only you can answer, but here are some things to consider.

You'll be more likely to get preventive care when you have insurance. That can help you stay healthy. If you buy a plan through your state's Marketplace, many preventive health services will be free.

If you use birth control that you need a prescription or your doctor for, you'll save money if you have insurance. Plans sold through your Marketplace provide free contraceptive counseling and free FDA-approved birth control -- birth control pills (oral contraceptives ), diaphragms, and the shot Depo Provera . Of course, you'll still need a prescription for those types of birth control.

One illness or accident without insurance can cost you a lot. If you go to the emergency room because you don't have a doctor you can see quickly, you will spend much more money. Being treated in the emergency room for a urinary tract infection or a sprained ankle , for instance, could cost you thousands of dollars. See " Can You Afford Not to Have Insurance? " to compare costs with and without insurance.

What if I don't get any health insurance regardless of the law?

If you choose not to get any health insurance, you will pay a fine. In 2014, that fine will be $95 per adult or 1% of your income, whichever is greater.

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