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In the past, marked by graduation, the anticipation of dealing with responsibility in the real world. Who was to obtain health insurance – the exorbitant costs, not to buy it and if really necessary. In September, many young graduates pain as one of the first elements of health reform came into force suppressed. Under the protection of patient care and affordable adult Young Offenders Act can now remain at the level of the parents until the age of 26 Medicare.

was signed before the landmark legislation into law, many young adults were without insurance after graduation and can not afford to pay expensive reporting. Experts say that myths such as “invincible” young adults who never get sick usually not the main reason for the lack of coverage. Instead, uninsured young adults with the same reasons for the lack of health benefits than their counterparts in other: they do not have enough money to afford insurance or employer, not to subsidize or offer coverage.

Robyn Jordan, a graduate of 2007 on the campus of Indiana University in Bloomington, made without holding an insurance claim because of the Writers Guild strike in 2008. She needed a job, mainly because of insurance.

“I am If I could hold my parents’ insurance until I was 26, I’m sure I’d taken more risks in my career,” Jordan said. “I have vision problems for insurance is very important to me. If I could insurance on my parents exploited me more about the free and temporary jobs, more to my ultimate career would have thought would get, entry-level job, I ended up under .

Under the new rule, children are eligible for dependent care, regardless of where they live, with or without their parents, their school status, whether married or financially dependent. For employer-sponsored plans that existed before that date are young adults, are just depends if they do not qualify for health insurance on employment.

Jill M. Klingner, Associate Professor of Health and Operations Management at the University of Minnesota Duluth, adding that young and healthy policyholders insured balance of current.

“(The affordable Pensions Act) enables young people to see through to creative with the choice of profession,” said Klingner. “They are young and healthy, they need health insurance, a balance between the insured to add.”

The insured rate for people aged 18 to 24 increased from 28.6 percent in 2008 to 30.4 percent in 2009, as reported by the Census Bureau. Young adults and recent graduates start their careers often low-paying jobs – the operating part-time, temporary or entry-level positions.

The cost of options such as COBRA insurance (monthly payment of full premium has been as active employees and the amount of the premium paid by the employer and the administrative costs) is often too expensive for young people. Student loans appear, rental car and accommodation first priority in life is not spent worrying about accidents and diseases in the hand.

It can be seen easily for 20-plus insurance, if they are all healthy and have no money. There is also a fantasy that all young adults in good health? chronic diseases such as arthritis, cancer, diabetes, heart disease and high blood pressure was found in 15 percent of young adults 18 to 29 And half of young adults than normal weight are taken into account, 24 percent qualifying as obese.

These young people are much more likely to go to the emergency room visits due to injury, more than any other age group. This is a major problem for the largest group of uninsured in the country. According to the Commonwealth Study 2009 “More than a third (35 percent) of the surveyed young people, both insured and uninsured, reported problems paying medical bills, including payments difficulties, he was approached by a collection agency because of their inability to pay bills to, with significantly alter their lifestyle, medical bills or medical debt to pay on time. ”

The ability to stay on their parents’ health plan seems the easiest option. But for households affected, by the current economic turmoil, the cost of caring for their children in their reporting can also be a financial problem was. Furthermore, a child to cover their own premiums for families average.7 percent, according to the U.S. Department of Health and Human Services.

The New York Times “The Health Ministry estimates that the average cost for each new recruit would be $ 3,380 in 2011, $ 3,500 in 2012 and $ 3,690 in 2013.”

Latest unemployment figures have compounded the already difficult transition from childhood to adulthood responsibilities, adding that the high cost of health insurance of their parents. The lower average household income in households with the youngest 15 to 24 experienced by 4.4 percent.

Short-term health insurance is the best bet for young adults with low incomes. Payments as low as $ 30 per month with services like preventive options, medical benefits and low deductibles, the pain of high insurance premiums. There is limited provision to pay hospital and medical conditions for more than catastrophic. Each of these three health insurance should be for a 20 something who can afford to, can pay a visit to her doctor to be taken into account, they can occasionally, but not unknown in hospital or in serious financial disadvantage.

What are the plans for a high health risk? If you receive health insurance through work is likely to be accepted, even if you have a health problem. But millions of Americans out of work, medical care is available. These people have to buy their own family or medical staff. It’s like why buy a car insurance that had a car accident. Under the current system would be insolvent insurer, if the people and serious diseases. Must also share healthy people pay premiums for risk. State high risk pools Therefore, each state has some sort of subsidized high-risk pool for people with underlying medical conditions. What are the plans in each state. They help thousands of Americans with health problems, health insurance. * In some states, premiums are very expensive. Many people can not afford the premiums. * In some states, there may be a waiting period before pre-existing conditions are covered. If a person is a serious problem, can not help if you start to wait twelve months before the insurance coverage. Federal Risk group In the context of health reform, the federal government has established a new National Health Insurance high risk. This plan may also be different for residents of different states. Each state’s website should have a link to information at the federal level. Top Alternative Health Risk Pool If you have insurance, you can find some other solutions in addition to sharing the risk of regional or national level. If you have a low income, you may qualify for Medicaid. If you have a low income, you may be able to chip children (Children’s Health Insurance Plan) are covered. Find health services About half of Americans working group.