You're absolutely right about getting in while you're young and while its at its cheapest. Considering the complications that can come from UC and its nasty medications, I think you're smart to get it while you're young and healthy (relatively speaking). I got a much better rate than my husband when we got our insurance, and its was only because I'm five years younger than him. Keep looking at other companies.
Katie, 30. Chicago 'burbs.
DX: Ulcerative Proctitis (10cm) January '08
Current Treament: Rowasa 60 ML 2X daily, Cortenama 100 ML 1X daily, Bentyl 20 MG (as needed), Acidophilus 3X daily, Fish Oil and Multivitamin daily.
Diet/Exercise: Sugar elimination. Daily yoga, walking, or cardio w/weights.
Previous Treatment: Canasa suppositories, Cortifoam, Prednisone, Colazal, Symex DuoTabs, Vitamins.
Status: Flare (showing some improvement)