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May 15th, 2009
11:08 AM ET

New Grad? Uninsured?

From CNN Medical Producer Sabriya Rice

If your options are to 1) live with your parents or 2) go without health insurance, which would you choose? Well, a recent ehealthinsurance.com survey found 62% of college students would prefer moving back in with Mom and Dad! The downtrodden economy is making it difficult to find work. And often, no work means no insurance. It's a predicament leaving young Americans ages 19-29 among the largest group at risk of being uninsured.

So what are your options if you're an uninsured young graduate? First, find out how long you can remain a dependent. For many states the cut-off age is 19, but there are some exceptions. In Utah for example, state law says you can remain a dependent until age 26, regardless of whether or not you are a student. Several states have similar laws. State Health Facts Online and the National Conference of State Legislatures have links to help you find out what the age limit is in your state.

Also, shop around. If you're young and healthy, low rates aren't so hard to find. For example, ehealthinsurance.com did a search for us for rates for a healthy 24-year-old in several states, and found monthly premiums as low as $117 in Dallas, $136 in Chicago and $208 in Miami. These plans had deductibles of $1000, which isn’t a bad rate when you compare it with a $14,000 hospital bill. If you’re young and not so healthy, check out this week's Empowered Patient column, which is all about how to find health insurance when you have a pre-existing condition.


Filed under: Kyra Phillips • On TV
soundoff (7 Responses)
  1. gene mask

    OIL COMPANIES ARE ROBBING THE WORLD BLIND

    http://www.houmatoday.com/article/20090514/ARTICLES/905149865/1211/NEWS01?Title=Assessor-sues-oil-company-for-millions-in-taxes

    IT IS THE SAME ALL AROUND THE WORLD THEY DO NOT PAY THEIR TAXES AND WHEN THE DON'T LIKE THEM GET GET CONGRESS TO REDUCE THEM OR DO AWAY WITH THEM SO THEY DONT HAVE TO PAY TAXES....ALL PROPERTY OFFSHORE IS TAX EXEMPT ALREADY

    May 15, 2009 at 12:09 pm |
  2. Evan

    The empowerment patient link does not work.

    May 15, 2009 at 1:51 pm |
  3. RJ

    Problem is kids have been living on their own a llot sooner than generations past. I remember being at my grandparents house and my aunts (my dad`d sisters) still living at home while they were still in college. And that was the norm simply because it cost too much to live on your own. As of recently parents are all to glad to push their kids out of the house and encourage them to start lines of credit and credit cards so by the time they actually get a good job they are so far in debt they cant see the light of day! When my aunts finally moved out they were debt free and starting from zero instead of minus $50,000, $100,000 and in some cases much more. So what happens now with the grads is they in a lot of cases file for bankruptcy and we the tax payer in up picking up the tab once again. Now I`m a democrat by nature but am smart enough to know it doesnt make much sense to buy what you cant pay for. Also I believe you should have to be able to show real income to qualify for a credit card. We all need to be more smart with our money and especially with money we dont have.

    May 15, 2009 at 1:51 pm |
  4. Gail Carstensen

    I cannot find the information on Health Ins. for 19-26 yr olds that have a pre-existing condition. My 23 yr old son has asthma. Please respond. Thank you,

    May 15, 2009 at 1:55 pm |
  5. michael armstrong sr.

    I would start looking for a third option you do know that is the american way atleast it used to be?

    May 15, 2009 at 3:16 pm |
  6. Carrie A

    Fixed! Thank you.

    May 15, 2009 at 3:39 pm |
  7. Miguel Aristizabal

    I am a college student and I love living the college lifestyle, and would never choose living with my parents over living in college even if insurance is included!

    Andres Montejo Law

    May 20, 2009 at 2:11 pm |

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