MSNBC.com: Health insurance tips for young adults

Difficult Situations

  • No insurance? Ask an insurance agent about month-to-month gap coverage or high-deductible policies that cover only very serious health costs but have lower monthly rates
  • Laid off? Ask your employer’s benefits manager about federal subsidies for COBRA premiums.



Some heads up:

  • Think twice before turning down your employers health plan to save money.
  • Read the fine print & Compare policies.
  • Ask an insurance agent to assist you.
  • Do some research. Find out if your state is one of 20 that allows you to stay on your parent’s plan through your mid-20s.

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Some options:

Some insurers have plans designed for young adults with high deductibles and low monthly premiums.

For example, WellPoint offers



Stateside:

  • Some states have their own COBRA laws that cover young adults who are nearing the age of being dropped from their parents’ policies.
  • If you are uninsured and have health problems, ask your state insurance commissioner’s office about high-risk pools.



MSNBC.com: Health insurance tips for young adults

The National Association of Insurance Commissioners offers more tips at http://www.insureUonline.org.

Note:Signs posted on telephone poles aren’t a good source for insurance, Praeger warns. Anything that says you must “Act now!” or promises health care at discounted rates should raise suspicions.



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2 Comments Add yours

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