Cell phones have been in widespread use for long enough that if there was a real risk of health problems, there should be clear scientific evidence by now. The problem is, though, that the evidence is not clear. Studies point both ways. So, in my book, I assume that there may be a minimal risk but it's not worth worrying about. I also would not spend any extra money to protect myself, but if you search you can find lists of phones rated by how much radiation they produce. That way, you can choose phones with less of a risk than others.
By the way, I carry a cell phone 24x7 and it's always on and gets used very regularly.
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