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"I definitely cannot afford health insurance right now. I'd rather take my chances and use the money for other priorities like rent, car, gas, whatever. If I have to see a doctor, I'll pay out of pocket or charge it and pay later. But, if I had to go to the hospital I don't know how it would be paid for."

Recent High School or College Graduate

Short-Term Health Insurance

This option is often much less expensive than COBRA or university insurance extensions, but it usually doesn’t cover pre-existing conditions.

Short-term insurance is an inexpensive source of coverage that is intended for recent high school or college grads, employees waiting for group coverage to begin, or anyone between jobs. It may be renewable or non-renewable.

This health insurance coverage has policies that range from 1 to 12 months and is a good option if COBRA is not available and a job with benefits will start within a few months. Plans typically provide lists of doctors who decrease patients' co-payment but allow patients to visit other doctors for a higher out-of-pocket fee. Charges vary, but typically range from $30 to $150 a month, depending on factors including co-payment structure and deductibles.

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