“Nothing ever happens to me”
Carlos is 27 years old. He exercises several times a week, doesn’t smoke, rarely gets sick, and can barely remember the last time he visited a doctor. So, when he considered whether he should have a health plan, he thought like many young people: “I’m healthy. I don’t need it.”
For years, he seemed to be right. Until one Saturday everything changed.
An accident no one expected.
While playing basketball with his friends, Carlos fell and fractured his ankle.
What began as a visit to the emergency room required:
- Radiological studies
- Specialized evaluations
- Surgery
- Physical therapy
- Medications
- Medical follow-up for several months
Beyond the pain and recovery process, Carlos had to face a reality he didn’t expect: medical expenses.
Then he understood that being healthy doesn’t mean being protected against the unexpected.
Emergencies Don’t Have an Age
Many young people think a health plan is only necessary for those with chronic illnesses or who are elderly. However, the reality is different.
- Accidents, sports injuries, infections, mental health problems, appendicitis, kidney stones, and many other conditions can affect anyone, regardless of age or physical condition.
- Health can change in minutes.
- A health plan is more than care when you’re sick.
A health plan doesn’t just support you when you get ill. It can also give you access to services such as:
- Preventive visits
- Vaccination
- Early detection screening
- Mental health services
- Prescription medications
- Specialized care when necessary
Taking care of your health also means planning ahead. The best protection is the one you have before you need it.
Months later, Carlos summed it up this way: “I thought insurance was for when I was old or sick. Now I understand it’s to protect me precisely when something unexpected happens.”
Youth is a time to enjoy, grow, and build your future. Having a health plan doesn’t mean expecting the worst—it means being prepared to move forward if something happens.
No one plans for an emergency, but everyone deserves protection when one occurs.