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I would suggest you don't bother with insurance unless you are at a point in your life where other people rely on you for financial support.
Insurance companies always try and get you to buy a policy or plan but in most cases it is not important right away.
The only advantage of buying younger is cheaper premiums however assuming you are in your early 20's, the price will not be much more, if at all, in 10 years time.
Long story short - wait.
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