Regardless of how healthy they are, young people should never go without health insurance. This article offers Ohio students and college graduates some important tips to stay covered.
You are a young, healthy adult living in Ohio. You may ask - why
health insurance? The reason is that regardless of how physically fit
you are, an unexpected illness or injury could put you in a lot of
financial trouble. So even if you are young and in good shape, you need
to think about finding affordable Ohio individual health insurance. Read
on to know your options and for some tips to stay covered.
Coverage through your parent’s health plan: Health care reform allows
young, unmarried dependents to stay on a parent’s health plan until age
26. This is convenient, but if you are planning to move to another
state, your benefits might be reduced. Also, this coverage is available
only till you get employer-based coverage.
through an Ohio student health insurance plan: If you are just out of
school and joining a college outside your state, you need to think about
a getting an affordable student health insurance plan as your parent’s
plan wouldn’t cover you. Remember that the plan that your college offers
wouldn’t cover you if you are a part-time student or if you live off
campus. Buying an Ohio individual health insurance policy on your own
would cover you all year, even during your holidays. It will also ensure
coverage for prescriptions.
individually-purchased health insurance: Affordable Ohio health
individual insurance plans are available for healthy young adults.
Health care reform has eliminated lifetime coverage limits and improved
access to many preventive medical services. Contact an experienced,
licensed Ohio health insurance agent to get free quotes, and expert
advice to compare plans and choose the right one.
through a short-term plan: If you are looking for a job, or have just
found one and are waiting for job-based coverage to start, you could
think about getting an Ohio short-term health insurance plan. Coverage
is for one to eleven months. Preventive care, prescription drugs, or
pre-existing medical conditions might not be covered. This type of plan
is very inexpensive, but it can protect you in case of unexpected
accident or illness.
• Employer-based coverage: Ohio health insurance
through your employer is ideal because it comes with many benefits.
Check out the HSAs and FSAs that your employer may offer as these are
plans that allow you to save for health care on a tax-free basis. You
can add on supplemental insurance for accident and/or critical illness
insurance with a high deductible health insurance plan. Job-based
coverage cannot be refused because of a pre-existing condition. You
share the monthly premium with your employer. A Kaiser Family
Foundation survey reported that in 2011, the cost of single-person
coverage under employer-sponsored health insurance was approximately
$446 per month. Out of this, the employee’s share was only about $78.
is awaiting the Supreme Court ruling on the constitutionality of the
health care reform law. Keep yourself informed about the changes that
are taking place and how they could affect your Ohio individual health insurance options.