A lot of the health insurance risk is changing in 2014, though, so it's actually viable to have lower coverage insurance now and plan to upgrade IFF a major medical condition happens. (yes, this makes no sense from an insurance market perspective for the insurers)
I presume this is one of the provisions in the Obama administration health care act (something along the lines of accepting people with previous known medical conditions, iirc).
I'm not too knowledgeable on the exact scenarios and how much more (if any) such people with serious medical issues would pay, but I agree with you that this is something to be cognizant of.
You sure? Since 2014 is when no one can get denied and everyone has to have healthcare, I think there's some uncertainty in the market. If the system gets too many expensive cases, and not enough payees, premiums could skyrocket.
