Understanding Health Insurance: Guide for Students and Young Adults

Getting health insurance at an early age can be confusing. While some students can remain under their parent’s health insurance plan, some are already starting to be responsible for having their own. The option to stay on their parent’s health insurance plans is until they are 26 years old only. 
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Choosing quality health insurance is essential that shouldn’t be taken lightly. Although students and young adults still receive their health insurance from the Affordable Care Act, they still need to be informed of current changes since the program is always varying. 

Basics of Quality Health Insurance Plan

• Options
• Quality Care
• Discounted Rates
• Preventive care with no additional costs
• Easy-to-use tools
• 24/7 service

Signing up for a student health plan through school is one of the affordable ways of getting insurance. Another way is through purchasing in the Health Insurance Marketplace. Furthermore, some may be qualified for a discount on their health insurance plans. It depends on their income if the students are not dependent on their parents’ tax returns. 

Saving Money and Time
Most students and recent graduates are just starting and do not yet have a stable source of income. Choosing the right health insurance plan helps in saving money and time instead of using out-of-pocket cash and spending time thinking about health insurance. One tip in choosing health insurance is visiting in-network providers because they provide access to lower rates.

Health Insurance Myths
Myth: Being young and healthy is too early for insurance.
Busted: There is no definite assurance that any student or young adult will not develop an illness or get into an accident. Because students or recent graduates do not have enough money to afford health care services in case of need, getting insurance is a must. 

Myth: Insurance companies dismiss patients with pre-existing conditions.
Busted: Health Insurance companies are not allowed to charge patients more or deny insurance because of their pre-existing conditions.

Conclusion:
Getting health insurance at an early age is beneficial. Most plans provide vaccinations, annual physicals, birth control, and most things that keep one healthy. Students and young adults are not invincible from illness or medical bills. Buying health insurance coverage is equated to protecting oneself from these situations.

At Roper Insurance Services, we do our best in making sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (828) 697-6709 or Click Here to request a free quote.