Health insurance reform is on everybody’s lips these days. When the White House called the nation’s largest health care insurance company executives for a meeting, the conversation focused on the increasing cost of health insurance in the U.S.

Health insurance executives maintain that the increase in health insurance premiums is mainly due to a population whose young and healthy are shunning insurance, and rising costs of health care itself. The White House reportedly asked the insurance executives for more information justifying premium increases.

While the health care debate is in full force, it is no secret that the insurance executives are partially correct in that many of America’s young are opting out of health insurance, preferring the risk of expensive health care instead. Keeping in mind the rising costs of health care, it is indeed a dangerous trend.

The young will do well to research insurance plans, and check where they can save money, instead of avoiding health care completely. For example, to tide over temporary periods in life, short term health insurance can provide one with protection against sudden high medical costs. Adjusting the deductibles and co-insurance can also help decrease the payable premium to a large extent.