Protecting yourself and/or your family from financial ruin should be a no brainer but most people who are young and/or healthy don’t plan it until they experience a major health-related event. We are never surprised to hear about young people who get hurt skiing, surfing, snow boarding or just simply goofing around (fell in a school parking lot after band practice) who escaped financial disaster simply because they were covered by their parent’s insurance or were wise enough to buy coverage for their families. Imagine the consequences if they were uninsured. Until we become a European colony or socialized medicine invades our shores protecting your lifestyle should be one of your top priorities!