Health Insurance Myths You Shouldn’t Believe in 2025

When it comes to health insurance, there’s a lot of confusion out there. Between rising costs, changing plans, and endless “advice” from friends and family, it’s no wonder many people fall for myths that can cost them money—or even access to care.

Let’s clear the air. Here are 5 health insurance myths you should leave behind in 2025.

❌ Myth #1: “I’m young and healthy, so I don’t need health insurance.”

✅ Reality: Accidents and unexpected illnesses happen. One ER visit without coverage can cost thousands of dollars. Insurance isn’t just for older adults—it’s your safety net no matter your age.

❌ Myth #2: “All health insurance plans are basically the same.”

✅ Reality: Plans can vary widely in premiums, deductibles, networks, and coverage. Two similar-looking plans could have very different costs when you actually use them. Always compare carefully before enrolling.

❌ Myth #3: “If I miss open enrollment, I’m out of luck.”

✅ Reality: While open enrollment is the main time to sign up, you may qualify for a Special Enrollment Period if you’ve had life changes like marriage, a new baby, moving, or losing other coverage.

❌ Myth #4: “The cheapest plan is always the best choice.”

✅ Reality: Low premiums can be tempting, but they often come with high deductibles or limited provider networks. Sometimes paying a little more each month saves you thousands later.

❌ Myth #5: “Health insurance only helps when I’m sick.”

✅ Reality: Most plans include preventive care—like annual checkups, screenings, and vaccines—at little to no extra cost. Staying healthy is part of the plan!

💡 Final Thoughts

Don’t let these myths keep you from getting the coverage you deserve. Health insurance is about protecting your health and your wallet—today and in the future.

📞 Call us at (281) 688-6165 or call us for a review. We’ll help you cut through the myths and find the plan that’s right for you.