Hi
Well you are in your 20’s so you can choose the plans with high deductibles to keep the premiums low. You can explore the options like HMO/PPO. HMO/PPO are types of health plans. HMOs (Health Maintenance Organizations) offer a network of doctors for lower costs, but PPOs (Preferred provider organizations), are more expensive but give you more flexibility. In case of unexpected injuries, you can add the accident rider for extra coverage to your health plans.

It’s important to resolve any unpaid bills and possible tax problems.
Make sure you have all the receipts and invoices for any kind of unexpected medical bills, purchase of the property, business expenses or any travelling related to your job profile. If you have taken any loan, make sure you have all the valid loan documents.
But if you can't justify your spending, just be honest while filling your tax return. You can get help from a CA regarding tax filling and handling interaction with tax department.