The Affordable Care Act is improving young adults' access to health care. While you may be young and healthy right now, there are many reasons why you should still get covered.
Just listen to others explain in their own words why it’s important for young adults to get health insurance:
When it comes to maintaining your health, we've got you covered. You may have avoided doctors because of the cost, but now you can get an annual checkup and many preventive services with no out-of-pocket costs, as long as you go to a network provider. This includes preventive screenings, which can help catch health problems early, when there may be more treatment options available.
All plans cover more:
Up to age 26, you can stay on your parents' insurance, even if you:
This only applies if your parents' health plan offers family coverage. Also, your parents' plan would only cover you. If you are married, have children or are expecting children, your spouse and children would not be covered on your parents' policy.
Finally, if you are about to turn 26 and are currently covered on your parents' insurance, you will be eligible for a special enrollment period. This means that you can purchase a health plan even if open enrollment is over.
You don't have to choose between your health insurance coverage and your wallet. Health insurance for young adults protects you from the high costs of health care. While no one can predict an illness or injury, a health plan prepares you for it. What's more, you may be able to get financial assistance to help pay for health coverage based on your income.
If you decide that you don't want to stay on your parents' plan or this option is not available to you, here are a few more things to know before choosing a plan:
A network consists of doctors, hospitals and other health care professionals that your insurer has contracted with to provide services for its members. Members pay less because the insurer negotiates how much the provider can charge its members for their services.
PPO Networks (Participating Provider Options)
HMO Networks (Health Maintenance Organization)
Give yourself a metal. Four plans — your choice, all provide the same set of essential health benefits, quality and amount of care.
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