Oct 19 2009 11:54 AM

If I am healthy, do I really need health insurance?

Yes, everyone should have health insurance. Accidents, illness, and long-term health problems can happen to anyone, regardless of how healthy you are right now.

As of January 2014, the Affordable Car Act requires the vast majority of Americans to have health insurance or face a penalty.

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Laura Adams is a personal finance expert and award-winning author who is Senior Insurance Analyst for InsuranceQuotes.com. She represents Bankrate Insurance’s web properties in the media and works as an advocate to make sure consumers protect their financial futures by having the right kinds of insurance.

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