Do you know that the average American Life is 78.7 years? That is 944.4 months to spend in your life. There is nothing we can do to change time that has passed, but we can prepare for the future — and that starts with taking care of your health. Affordable health coverage isn’t just about saving money; it’s about making sure you get to spend those remaining months living well, not worrying about how you’ll pay for a doctor’s visit.
Don’t Worry About Affordable Health Coverage
If you are over the age of 35, all is not lost! It will be much more difficult to find affordable health insurance, but stay vigilant. If you retain a healthy body and lifestyle, there will always be options to find.
The Breakdown: Why Affordable Health Gets Harder to Find With Age
The average person’s body will be at its peak function shortly before the age of 30. Our bodies will start to break down between ages 30-35. This means as we age past 35, affordable health insurance will be harder to find. Considering how many months we have already used up, it would be worth the expense to make sure our healthcare is secured, at a fair cost, for the remaining months.
Importance
Most people keep putting off healthcare until they are injured, or their body is constantly in pain and breaking down. By this point it is too late to find any affordable healthcare because of the way healthcare providers run their business’. The older you are, the more likely it is that you will have higher and higher healthcare costs. In addition to higher costs, the older you get the more likely you are to have a major health problem that costs more than you have. When facing a monstrous medical crisis, the last thing we want on our minds is how to pay for it. Not having the right healthcare at the proper time can leave you exposed to medical costs that are difficult to recover from financially.
Don’t waste it
If you are over the age of 35, options may become more limited over time, so it’s worth exploring coverage sooner rather than later. This is an important decision for your long-term health and financial security. It is imperative to start looking for, and getting, a healthcare plan if you are in or above the 30-35 age range. Don’t wait until later in life to start exploring your options — the sooner you look into coverage, the more choices you’ll typically have.
The bottom line
At the end of the day, finding affordable health coverage isn’t about scaring yourself into a decision, it’s about being honest with where you are today and what you want the rest of your months to look like. Waiting rarely makes the search easier. Rates, options, and underwriting only get more complicated with age, so the earlier you start looking into affordable health plans, the more choices you’ll likely have on the table.
The good news is that affordable health coverage doesn’t have to mean settling for the bare minimum. Coverage isn’t just about the monthly bill either, health insurance protects you from unexpected, high medical costs and gives you access to preventive care that can catch problems early, before they become expensive. With the right guidance, you can compare plans, understand what you’re actually paying for, and find something that fits both your health needs and your budget.
If you’re not sure where to start, talking to a licensed agent is one of the simplest ways to see what affordable health options are actually available to you right now. In fact, most Americans — over 90% — currently have some form of health insurance, so you’re not searching for something unusual; you’re just making sure you’re one of them.
Have Health Insurance Questions?
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Empower Brokerage wants to help you find the insurance coverage you need and help you save money getting it. Stay on top of your health and give us a call at (844) 410-1320.
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This article was updates on July 21, 2026.