"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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Employed and Uninsured
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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