I think it's something you will need later in life and should be saving for while you are young. The government is trying to do that for people but unfortunately the government just doesn't manage things well even if it means well. Ideally, everybody should be setting aside ~10% of their income a year into something like a Health Savings Account (HSA). We save for retirement. We also need to save for healthcare. All 20 somethings that start their careers really need some education in this regard, much like we do with retirement.
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