Health insurance can feel like a foreign language, especially for Gen Z. But it doesn’t have to be confusing or expensive. Let’s bust a few common myths so you can make smarter choices about your health and your future.

Common Health Insurance Myths

Myth 1: “Health Insurance Is Only for Older People or Families”

Not true. Even if you’re young and healthy, accidents and unexpected illnesses happen. Without coverage, even a minor injury can cost thousands. Health insurance also includes preventive care, like vaccines and screenings to help catch problems early.

Myth 2: “I’ll Lose Coverage If I Switch Jobs”

Think again. With a program like CaliforniaChoice, you get portability. That means, if you move between participating employers, your coverage can move with you. And if you leave a job altogether, COBRA lets you keep your plan. Flexibility matters, especially when you’re building your career.

Myth 3: “Health Insurance Is Too Expensive”

Coverage often costs less than you think. With CaliforniaChoice, your employer shares the cost, and you get to choose the plan that fits your needs and budget. That means predictable costs, more control, and options that actually work for you.

Myth 4: “I’m Still on My Parents’ Plan, So I Don’t Need My Own”

You can stay on a parent’s plan until 26, but getting your own coverage builds independence and ensures your benefits fit your lifestyle. CaliforniaChoice makes that step easier with affordable plans tailored for young professionals.

Myth 5: “All Health Insurance Plans Are the Same”

Again, not true. Plans differ in costs, networks, and coverage. CaliforniaChoice gives you access to multiple carriers and plan types so you can find what fits best, whether that’s low monthly premiums, wide doctor networks, or robust benefits.

Myth 6: “Health Insurance Doesn’t Cover Mental Health or Preventive Care”

It actually does. ACA-compliant plans cover counseling, therapy, checkups, vaccines, and more often at little to no cost. Mental health and preventive care are also typically included because they’re essential to overall well-being.

Bottom Line: Health Insurance Doesn’t Have to Be Confusing

Health insurance doesn’t have to be overwhelming. Knowing the facts gives you the power to protect your health, your money, and your future.