If you’re like most young people heading out into today’s workforce, health insurance isn’t the biggest thing on your mind. In fact, much of your experience with health care probably involved being taken to the doctor by your parents or popping into the college health services for a strep test. But did you ever wonder who pays for it?
It can be daunting to suddenly be faced with health insurance worries if you don’t have employer-sponsored coverage. Worry not, following this simple advice can demystify the process and be kind to your budget.
1. Talk to your parents. The new health reform law lets dependents stay on their parents’ health plan until age 26. Find out if your parents have a good plan and would be willing to add you or keep you on their policy.
2. Compare costs. In some cases it’s actually less expensive for a young adult to get his or her own health insurance rather than being added to his or her parents’ plan. Step 1 of shopping for a plan includes asking parents and family members for recommendations and by visiting your local independent insurance agent who can help you review your choices.
3. Look at options that fit your life. For many younger, healthier people who don’t visit the doctor often, a high-deductible plan makes sense and can help make health insurance coverage more affordable. Likewise, if you’re not sure how long you’re going to need the insurance, consider a short term health insurance plan. One to six months or one to eleven months of coverage is usually available, depending on where you live. Short term health insurance usually costs less, is easy to understand, and the application process is quick and simple.
With winter creeping around the corner, you can never be too careful about your health, so make sure to dress warm and stay safe. If you have any questions, feel free to visit our website or give us a call at 860 684 2721.