Robert Nilson (25) could be considered a "young invincible," a term used in the insurance industry to describe healthy young people who find health insurance unnecessary.
Nielsen recently took it upon himself to find a health plan after being uninsured for more than a year. And when the time came, he turned to a place that many people would not think to go: the Internet.
The company he stumbled upon, eHealthinsurance, is the largest online provider of health insurance for individuals, families and small businesses. On its Web site, the company offers 125 different plans in Utah, and each has been approved by the state's Department of Insurance.
While there are certainly people who just don't think they need health insurance, more and more people are seeking some kind of safety net to protect them against high medical bills if an emergency strikes.
Individual health insurance offers people the chance to tailor a plan to meet their needs, such as a high-deductible policy with a low monthly premium for someone with fewer medical needs or a slightly richer plan for those who frequently go to the doctor.
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