They are under the impression that health insurance is something for older or wealthy individuals have it. This article will explain the reasons why it is so important to have health insurance is. Individual policies usually have higher costs than the group coverage offered by employers, so be sure that you plan out your finances accordingly.You might need to choose a higher deductible and/or reduced coverage. Get a number of quotes from several different insurance companies to find the best rates and rates. If you have a family history of needing vision correction, or vision problems exist in your home, then vision insurance proves a smart buy. The insurance covers a percentage of your check-ups and eyeglass or contact purchases. You do not have to have vision insurance, and it may be cheaper in the long run to not have this coverage. Health insurance carriers can change the types of medications they cover, so see to it that you read the contract's fine print ea...