<prompt> Human: Im 21 years old living in the U.S. and attending university full time. I pay for things with financial aid, scholarships, and a bit of help every now and then from parents. I didnt have health insurance from the ages of 12-20, but last year I took out a basic health insurance plan with Anthem Blue Cross. I pay 56 a month. I havent used it and just feel like Im paying for something unnecessarily. I guess I got it for peace of mind in case something happened, but since Im healthy and only 21 should I get rid of it?  <response>: Insurance is just that: insurance against the unexpected. You want not to have to use it, but ... then you need it. I had over 50K in medical bills in my mid-teens due to an accident ... thankfully, I was insured. I was in perfect health when it happened - it didnt save me from needing insurance though it may have saved my life. 