Everyone needs some form of health insurance.
How much you need depends upon your financial situation and other factors. One factor is age. A young person is not guaranteed to have a healthy youth, but is more inclined to have fewer illnesses than older people. Someone who is younger would need more coverage in the realm of visits to a physician, than hospital coverage. However, without hospital coverage, the individual is gambling that nothing will happen.

Health insurance could be an expensive perk.
Health insurance coverage offered at a job is an expensive perk if it is a good policy. This is why many people do not leave positions they dislike, since their health insurance at this time is not portable. Usually a company not offering full benefits will offer it at far less than could be obtained privately.

If you own a house you should have health insurance.
The paramount importance in having health insurance is that if you own a home or other items of value they can be lost if a major illness occurs. One day in the hospital can run into thousands of dollars, which would entail a bankruptcy to avoid the payments and if paid will put the person into debt for life.

Anything less than full coverage will be costly, one way or another. A high deductible insurance policy will be comparatively inexpensive in the amount of premiums paid, but will have enormous out of pocket costs if something serious happens. Full coverage purchased privately, either for the individual or family will cost thousands of dollars per year and still have out of pocket expenses.

Health care reform is in the works.
Presently, there is a major discussion about what type of health care reform to put into effect. One thing is for certain, some reform is necessary. The health insurance part of our Gross Domestic Product (GDP) adds up to almost 20%. This situation cannot continue without dire effects on the economy.