Are you –
- A college or graduate student
- A recent graduate
- Graduating with a diploma but no health insurance
- The parent of any of the above?
It’s not surprising that many students go through college without health insurance, because students generally have limited budgets. Health insurance isn’t necessarily even on the minds of graduates; after all, there are student loans to think about and resumes to send out. But here are some sobering numbers.
- The average cost of a spinal fracture, including ambulance, emergency room, intensive care, and other related items, is around $200,000
- A compound leg fracture can cost upwards of $75,000
More than 1 million people declare bankruptcy every year. Data supports that high medical bills account in part - but not wholly - for 46 percent of the cases.1
You may have been covered under your parents’ policy while you were still in school. If that’s your story, graduation day also signifies the end of that health insurance coverage in many states. (Review your parents’ policy for coverage details.)
If you don’t have health insurance, you’re not alone. Younger people are generally less likely to have health insurance on their minds than older people.
- 19 million 18- to 34-year-olds don't have health insurance (U.S. Census Bureau 2007)
- Of the 47 million uninsured Americans, the fastest-growing population of uninsured Americans is young adults
The good news is that health insurance may not be as expensive as you think - even for a student or recent graduate.
There are plenty of options:
- Consider a high-deductible plan designed for somebody like you, emphasizing coverage for catastrophic medical emergencies. Learn More
- Look into purchasing short-term insurance if you’re confident you’ll find a job that provides health coverage. Learn More
- If you’re young and healthy, you should investigate a traditional major medical policy. You might be surprised to find that with a favorable health history and a higher deductible, you’ll be able to afford a major medical plan that has fuller-bodied benefits. Learn More
The bottom line is that there are a myriad of affordable health insurance plans for students and graduates alike, and the licensed agents at Health Benefits Direct can help you find the right plan with the right carrier – at the right price.
1Source: http://www.politicalaffairs.net/article/view/5628/1/273 |
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