Rising obesity, changing food habits, increasing life stress, and a longer life expectancy are driving up healthcare costs in India. As more people live in nuclear families instead of joint families, there is less financial support during medical emergencies. Proper health insurance planning can help create a strong financial foundation and ensure financial freedom in old age by preparing for unexpected healthcare costs that rise with age and push many into debt. Getting health insurance early is important as costs rise and it becomes harder to qualify for coverage as one ages.