I am 20 yrs old and just started college. I am independent and live on my own, am not dependent on parents once so ever. I have no job now and I really should have health insurance. I can’t afford a monthly insurance bill without having a steady source of income, because I’m in college F.T. I am very healthy and have never needed to go to the hospital for anything in my childhood. But I feel that I should have health insurance now because of all the stuff I do, that I could easily get hurt. Please advise.