The Best Time for Health Insurance is When You Are Healthy
That sounds like a weird question. Is it better to get it in the Spring or Fall or on Monday? No, that’s not the point. The best time to get health insurance is when you are healthy. We are a brokerage, and get hundreds of calls every year asking for insurance. Often their great motivating factors: I am pregnant. I have an ulcer. I need to go to the doctor. I can’t pay for my prescription medication. The worst time to try to get insurance is when you are sick or need to see the doctor. Sometimes a person will say, “I just don’t know what is wrong with me.” That is worse than having an ulcer, and it will be a certain decline on an insurance application. Insurance companies always want to know what the health problem is, i.e., what they are insuring.
The best time to get health insurance is when you are healthy. Often young men don’t think that they need insurance. They will say, “I never get sick.” If you are certain one hundred percent that you will never get sick, then you don’t need health insurance. But who knows that? Someone will say, “I am 52 and have never been sick and have never had insurance.” You have been very fortunate. However, you may get sick tomorrow. And the odds of you having major medical problems increase with age; and over the age of 50 the odds increase dramatically.
If you are now healthy, this is the best time for you to get insurance. If you develop a medical condition, it is going to be very difficult to get insurance or good insurance with a pre-existing medical condition.
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The information and advice on this website was deemed accurate when it was originally published. GNI cannot accept any responsibility or liability for any actions taken on the basis of the information provided, unless that information is subsequently confirmed in writing. For the latest up-to-date information please call us or check brochures and other published materials for latest revision/date.