Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Find Affordable Health Care For Young AdultsFinding health insurance at an affordable price is not easy for people of any age. For many young adults or recent college graduates this problem is made even worse because of the rising health insurance costs and the high unemployment rates among 16-24 year olds.

Without health insurance, young adults can quickly find themselves drowning in debt or deciding not to receive the appropriate level of medical treatment.

With just your home ZIP code and the FREE tool on this page you can receive and rank insurance quotes now!

Recent studies done by the Commonwealth Fund report troubling statistics and cause for concern regarding young adults who are uninsured.

According to this study, 40% of young adults between the ages of 19 and 29 did not have health insurance at some point in 2011. This age group makes up 30% of the total number of uninsured people in the United States.

The Problem With Uninsured Youth

This problem is intensified by the fact that this age group has the highest number of emergency room visits for injuries, according to the Centers for Disease Control. And like health insurance, emergency room costs are also rising.

A Medical Expenditure Panel Survey found that the average cost of an emergency room visit rose from $922 in 2008 to $1318 in 2009.

When the uninsured are able to receive the medical attention they need, paying for the medical bills can be financially crippling. A Commonwealth Fund study found that 36% of young adults had medical bill problems or were currently paying off some sort of medical debt.

Get Affordable Health Insurance Young Adults

Attempting to pay for medical bills is difficult enough with steady income but, according to labor statistics, unemployment for 16- to 24-year-olds is over 16 %, almost twice as high as the 8.2 % national rate for May 2012. This means that young adults without health insurance could be unable to pull themselves out of debt for years to come.

The statistics shown above paint a dire picture for young adults today, but there is some hope. There are health insurance alternatives that can help reduce the out of pocket costs for health care and may keep you from facing financial difficulties.

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Join Your Parent’s Insurance

One option that is now available to young adults is to be added on their parents’ health care plans. This is possible even if they are not still being claimed as dependents for tax purposes. As a part of the Affordable Care Act, young adults can be added as dependents on a parent’s health insurance policies

Affordable Health Insurance For Young Adults On Parents Policy

until the age of 26, and in some cases, even if they are already married.

The cost of being added as a dependent to an existing plan is far less expensive than many other options and many young adults are taking advantage of this alternative: 6.6 million young adults joined their parent’s insurance plans in 2011.

Another option that many people are exercising is to be added onto a significant other’s health care plan. Many companies now offer the ability for people who demonstrate that they are in a serious relationship to be added onto their partner’s health insurance plans.

To be eligible for domestic-partner insurance coverage, young adults will need to provide proof that they have been living together for an extended period of time and have financial ties, such as joint bank accounts.

Private Health Insurance

Even if someone is not able to qualify to be added to their parents’ or significant other’s health care plans, there are still private health care options that are available. A great tool to finding affordable private health insurance is to use health insurance comparison sites to search for and compare private health insurance policies.

Health insurance plans can cost less than $100 a month for young adults who do not have a lot of physical problems.

There are some drawbacks to these plans. They typically have much higher deductibles ($5,000 – $10,000), and some may not cover the costs of doctor’s office visits.

Health Co-ops

Health co-ops are getting a lot more media attention in the recent months as the health care debate rages on and people look for inexpensive coverage

Co-op Offers Affordable Health Insurance For Young Adults

options. Not all health care co-ops work the same, but the general idea is that someone pays a monthly fee to be a part of the co-op.

When co-op members need medical attention they either go through the co-op’s network of health care providers, or the co-op works with healthcare providers to pay for part or all of the costs of care. One of the most popular health care co-ops is HealthPartners, and it boasts more than a million members.

Click here for more detailed information on health insurance co-ops.

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Affordable Health Insurance Options Do Exist

To keep from facing a mountain of medical bills and to ensure that young adults receive the appropriate

Affordable Health Insurance For Young Adults Online

level of health care, it is critical that they have some sort of insurance coverage. The cost of paying for medical attention out of pocket can be astronomical and, without insurance, they can have very serious financial consequences.

There are a variety of low cost health care options young adults should consider and it is important to be aware of all the options and research the pros and cons of these health insurance plans. Before deciding to completely forego health insurance, young adults should consider these three affordable health insurance alternatives. It is always better to have a health insurance plan, even if it only covers extreme circumstances.

Find out what rates you can get on insurance policies by using your ZIP code and the FREE quoting device now!