Affordable Health Insurance - Can I Stay on My Parents Insurance If I Cannot Afford My Own?
One of the biggest problems people encounter these days is trying to find affordable health insurance.
Many young adults cannot even afford to buy their own health insurance and do not know what to do.
To make things worse if you are on a low income job your employer will more than likely not supply health cover either.
There are several steps you can take to find cheaper health cover without taking the risk of having no cover and ending up with massive hospital doctors bills if you fall ill.
First of all if you want to remain on your parents cover than there are some important facts you need to take into consideration.
The first one is this.
With Obama's health reform act passed this year it stipulates that children and young adults can remain on their parents policy up until the age of 26.
If you are under 26 then the answer is mainly yes and if your parents are happy with that then you can stay on their policy and pay them for your cover.
This is only valid as long as your employer does not cover you with a group plan.
What happens if you do not live at home? Again Obama's health care bill has covered this and it does not matter where you live.
Your parents can cover you.
Is it worth getting my own insurance? It may be depending on your circumstance.
If you have left home and moved away it may be possible to get far cheaper insurance depending on exactly where you live and your own circumstance.
Do not just pick up the phone book looking for affordable health insurance.
This is time consuming and costly too.
If you find cheap health cover through the phone book it will be very surprising.
What is the best way to get my own insurance? The best way to do this if you do not want to remain on your parents cover for whatever reason or if you are nearing the age of 26 is to use the internet and get multiple insurance quotes.
Some companies offer discounts for young people, some offer discounts for young students and others offer discounts for young people in specific jobs.
There are so many combinations it will take you weeks to find this out by thumbing through the phone book.
The easiest way to do this is to get online and compare quotes and against what you would have to pay to stay on your parents health insurance and this may find you more affordable health insurance cover.
Many young adults cannot even afford to buy their own health insurance and do not know what to do.
To make things worse if you are on a low income job your employer will more than likely not supply health cover either.
There are several steps you can take to find cheaper health cover without taking the risk of having no cover and ending up with massive hospital doctors bills if you fall ill.
First of all if you want to remain on your parents cover than there are some important facts you need to take into consideration.
The first one is this.
With Obama's health reform act passed this year it stipulates that children and young adults can remain on their parents policy up until the age of 26.
If you are under 26 then the answer is mainly yes and if your parents are happy with that then you can stay on their policy and pay them for your cover.
This is only valid as long as your employer does not cover you with a group plan.
What happens if you do not live at home? Again Obama's health care bill has covered this and it does not matter where you live.
Your parents can cover you.
Is it worth getting my own insurance? It may be depending on your circumstance.
If you have left home and moved away it may be possible to get far cheaper insurance depending on exactly where you live and your own circumstance.
Do not just pick up the phone book looking for affordable health insurance.
This is time consuming and costly too.
If you find cheap health cover through the phone book it will be very surprising.
What is the best way to get my own insurance? The best way to do this if you do not want to remain on your parents cover for whatever reason or if you are nearing the age of 26 is to use the internet and get multiple insurance quotes.
Some companies offer discounts for young people, some offer discounts for young students and others offer discounts for young people in specific jobs.
There are so many combinations it will take you weeks to find this out by thumbing through the phone book.
The easiest way to do this is to get online and compare quotes and against what you would have to pay to stay on your parents health insurance and this may find you more affordable health insurance cover.
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