Health insurance has become a hot topic recently. With the costs of medical insurance skyrocketing, more people than ever are trying to find ways to cut their premiums or find affordable health insurance. The problem is even greater for young adults.
Health Insurance & Young Adults
Young adults – those between the ages of 19 and 25 – are one of the most uninsured groups in the United States. Because most state-funded medical insurance programs, such as Florida’s KidCare or Georgia’s PeachCare programs, stop providing coverage on a child’s 19th birthday, the majority of these young adults find themselves without affordable insurance. In fact, according to a fact sheet put together by the Kaiser Family Foundation (http://www.kkf.org) more than 50% of the 41 million uninsured Americans are adults without children, a group which includes most of these young people.
One solution to the problem is temporary medical insurance. This type of insurance provides coverage for 1 to 12 months and gives the a recent graduate or someone not employed a chance to acquire their own health insurance.
Medical Insurance Needs Change as You Age
Even young adults who do have some type of health insurance coverage may end up losing it because of life changes, such as marriage, childbirth, or just aging. All of these lifestyle changes require health insurance alterations as well and that generally means higher premiums. An article called “Life Changes Require Health Choices: Know Your Benefit Options” is provided by the Department of Labor to guide you through these medical insurance changes.
It’s also a good idea to understand how to select a health insurance plan that provides you all the coverage you and your family need. For this reason, you may want to read our articles on “Family Health Insurance” and “Individual Health Insurance.”
Free Health Insurance Quotes – Comparing Medical Insurance Plans
There are many health insurance options available, so you need to be prepared to shop around for the best one. Thankfully, most insurance provides offer free health insurance quotes that you can use to compare premiums and services before making a final decisions. For additional help in choosing a health insurance plan, you can visit the NCQA web site: The National Committee for Quality Assurance can help you find the best plans and physicians in your area.