Emergencies and illness very rarely come at a good time. Some health problems can wait for a few weeks or months to be dealt with, others demand immediate attention. You may be able to delay dealing with nagging discomfort from back pain, but you shouldn’t delay seeking treatment for a suspected heart condition. Even if you’re one of the young invincibles, healthy people under the age of 30, accidents happen. What if you sliced your hand wide open while cooking? Stitches in an emergency room can be very expensive. What if you tripped during your morning run? A broken ankle can’t usually wait for treatment and might even require surgery. Get your health insurance during open enrollment so it will be there when you need it. If cost is an issue, you may be eligible to get help paying for health insurance. If you’re not eligible for government health insurance subsidies, consider buying a less expensive plan. Although it will pay less toward the cost of your health care, the premiums will be lower and at least you’ll have some coverage.