There are many options for health insurance for healthy young adults when it comes to health care and many of the choices are determined by their individual needs. Until age 26 most young people will find it easiest to simply remain on their parent’s insurance policy if they have a family plan. It is the likely the least expensive and most convenient to protect one’s health. 

After age 26 the choices become greater and more important to one’s continued well-being. Since the ACA was enacted more than 10 years ago the insurance landscape has changed. The mandate that required insurance that was part of the ACA has been struck down by the courts and even though there are some state wise best healthcare insurance for young adults are free to choose what they want to do about health care. 

For most healthy young adults who require a minimum of doctors’ visits and little else, the major concern is an accident and or hospitalization. There are reports that indicate the average cost of a visit to an ER is about $1400 and an inpatient hospital stay averages around $2,000 per day. Though younger adults are more likely to suffer accidents than illness those prices are sobering. There are a number of good health insurance plans for young adults that are available to whose age and general health will usually afford them the lowest rates.

An employer’s health plan, since it is a group and in most cases the employer will contribute a minimum of 50% to the cost of your plan, is probably the most affordable. Since employer plans are governed by ACA rules, all are eligible regardless of prior conditions. No insurance where you work? ACA plans are available through the Marketplace in levels from bronze to platinum. The levels are based in part on the deductibles and out of pocket limits so a bronze plan which affords coverage for ER’s and hospitalizations may be a low cost option.

If you are under 30 there are some other options available to you. Catastrophic plans that have a high deductible and out of pocket expense thresholds are a less expensive option but still will insure that an accident or hospital stay does not add you to the number of people for whom medical bills spell bankruptcy. These plans will cover you 100% after an average of over $8,000 in deductible expense.

High Deductible plans with HSA’s (Health Savings Accounts) are also available where the HSA can help pay deductibles and co-pays with tax advantaged money. For an otherwise healthy individual they will protect you against an accident or hospital stay and allow you to help pay with that savings account which is funded with contributions which are not taxed.

Even unemployed young and healthy people have several options to which they may have access. Medicaid a joint federal and state run program may be an option during an unemployment period. Also available is an insurance product called a short term health plan. Though not ACA compliant and lacking many of the services covered by other plans it can tide one over and protect against the most expensive medical possibilities. Affordable health insurance for unemployed people is available and short term plans are a relatively inexpensive option though they do not have some of the protections of the ACA.

If you wish to explore your health care options, the best place to begin is at ConsumerCoverage. Where all forms of health insurance are available and you can get comparative quotes and information for free.

ConsumerCoverage.com your insurance source for health, home life and vehicle insurance provided by some of the country’s best insurers.