[dogmeat]

You can get catastrophic-only medical insurance. It is available for medical emergencies that will cost you a minimum of $10,000 - and you can fund the rest yourself.

A 21-year old with no medical problems can probably get a decent HMO plan for about $150-$200 a month, depending on where you live. Consider taking that amount and puting it into a low-risk, low yeild mutual fund. If you earn 5%+ then you will have more than the $10K available in less than 4 years, then you can stop funding if you want, or keep puting the money away, and you will have an excellent start on a serious retirement fund.

Dogmeat [img]/images/graemlins/spade.gif[/img]