Towson University

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Last semester in my finance class we learned a lot about government health plan (especially since the election was coming up at the time we got to hear about how each of the candidates felt about the issue). We learned all about insurance and different plans (like car insurance and life insurance) but mainly we focused on health insurance because it is the most important (basically) and almost everyone will have it.

One thing we talked about in the class was low cost family health plans. We had to get into groups and talk about the different plans and benefits and see what fit each made up family the best. The activity about the low cost family health plans probably hit me the most because health care is so expensive now and it is something that everyone should have. It is weird to think that there a lot of people and families (especially with kids) that do not have health care plans because they can't afford it or their jobs don't offer it and they can't get it on their own. I feel like a lot of people (myself included) take health care and overall insurance plans for granted).

With the economy the way it is now, it is hard for families to afford the basic needs let alone extras and to some families, health care may be considered an extra and they just have to hope and pray that no one in their family gets sick. Other families may have someone already sick and their healthcare payments are just so high that they can't afford them anymore. I know that when my dad had cancer (he is in remission now thankfully) that the treatments are very expensive (like hundreds of thousands of dollars) and thank God we had insurance and could afford it, but it makes me sad for all of the families that don't.

I am glad that we got to learn about these things in school so that we are prepared for the future. It is scary to think, but we need to be saving money now (as students) realistically speaking. We need to prepare ourselves for what will happen what we get out of our little bubbles after graduation and walk out into the real world and have to pay for a home and food and insurance all on our own. We need to plan now for the future.