She has been on our health insurance plan since she was born, so I am sure that expense never crossed her mind, we have also always paid her car insurance and we don’t carry life insurance on our children, although maybe we should.

She started a new job and had a hundred questions about deductibles, flex comp amounts, life insurance premiums and how much is necessary for 24 year olds. It was interesting to talk with her as she sorted and weighed and balanced all her options. She had never thought of all these things before and the decisions seemed overwhelming to her. What cost are necessary for a young married couple to incur? How much would they put in the flex-comp plan? What is realistic that they might spend in a year? She has absolutely marvelous health insurance. The best I have ever heard of. They cover things we have never had covered, no deductibles, free life insurance, low office visits, great prescription plans, in today’s world of spiraling out-of-control health insurance it is refreshing to see a plan that actually covers the recipient.

We went over auto insurance in its simplest terms, we have been covering them on our plan but that should run out here in about 3 months. What do they need, what is a good price for that coverage? So many kinds of insurance, so many types of coverage, all necessary to protect ourselves against the unforeseeable future. A car accident of serious illness could ruin a young couple if not adequately protected. Although it is a lot of expense for a them, the thought of not being insured is a lot worse! Hopefully they will never have to use it, but it is there to protect them just in case. Whether you live in Kansas or Wyoming, health insurance is a must for everyone.