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Health Insurance for Students and Young Adults
Getting health insurance for students and young adults is an important step towards protecting one's health and income. One of the features the Affordable Care Act (aka ObamaCare) is that is requires health insurance carriers to allow young adults to remain on their parent's health plan until they turn 26 years of age. This enables most young adults to concentrate on their college studies and get a head start in life without having to worry about health insurance in case they get sick or are injured in an accident.
All health insurance plans now include the following benefits:
Young adults can remain on parent's health plan until age 26
Can not be denied coverage for pre-existing conditions
Annual Wellness Visits
No maximum lifetime benefit caps
However, there may be instances where remaining on a parent's health plan is not practicle. For example, if a young adult lives in a different state it may be less costly to have their own individual health insurance plan rather than paying higher out of network costs for health care. Also, if the young adult gets a full time job, is married and has children, depending on their income, they may be elgibile for subsidies or other programs that will reduce the cost of their own family health insurance plan.
Compare affordable health insurance plans and be sure to consider the annual deductible and out of pocket costs along with the monthly premiums from the variety of plans offered. This way you will be able to select a plan that meets your needs and budget.