Insurance is important as it offers protection against unforeseen circumstances. Most preferable health insurance is extremely important. I have worked for a few years in the hospital and I have seen even the rich ones develop illnesses that even they themselves can foot the bills at that particular time. Some people even take loans to pay hospital bills in order to save a life. I would advise couples starting a family to always have a health insurance because a lot of unplanned events can occur in the future