"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." |
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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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