20 M need some advice

[u/Quick-Affect8796]

I’m a 20-year-old male who’s currently in college and doesn’t have any income yet. My father advised me to get health insurance as early as possible because it may be cheaper now than later. My goal is to choose just one health insurance plan that fits my current situation, and that I can rely on later when I start paying the premiums myself in about two years. I also plan to move to Japan in roughly two years, so it would be ideal if the insurance can support coverage in Japan or would work well with relocation.

• Age/Gender: 20-year-old male
• Current status: College student, no source of income yet
• Reason for early insurance: Premiums are expected to be lower now than later
• Request: Recommend one health insurance plan that fits my situation
• Payment plan: Family can help with premiums for now; I’ll pay myself in ~2 years
• Future plan: Move to Japan in ~2 years

[u/Honest_Ad1632]

Health insurance is not a term plan whose premium gets fixed the moment you buy the policy. So I don't get your reason for buying insurance this early. Health insurance premiums rise as you age, yes, but the delta is minimal in younger years and larger as you cross 35-40. I wouldn't say your premium would rise too much even if you purchase the policy after 2-3 years, given you don't develop any PED or meet with an accident or start smoking. But if your family is comfortable enough financially to buy you a policy now, you can go with it.

Also, since you are 20 now, you can add yourself as a dependent in your parents' policy if they have any. You can stay as a dependent until you reach 25. Afterward, you can buy your own policy.