Finding the Cheapest Health Insurance if You're a Fresh College Graduate

You graduation is over and done with, and now, you are now one among the millions of adults who are out there trying to build a life for themselves. Of course, the job market is kind of scary, and you don't quite know how you're going to handle it all. What most worries you though is your health insurance situation. If you have been on your University health insurance plan or family's health insurance so far, you may soon find that you no longer qualify. You may need to start think about the cheapest health insurance options available to you soon.

The first thing that you need to do as you look for employment now is that you want to make sure that the employer you go with has affordable health plans on offer. This isn't to be taken for granted; things today aren't the way they used to be. Employers these days often do their best to shift as much of their health insurance responsibility to their employees. They try to make their health plans high deductible ones, and so on. Pay attention to what each employer promises; a good employer's plan is about the cheapest health insurance you can never find.

Fresh college graduates have new and improved options ever since 2011. You can be on your parents' health insurance plan up until you turn 26, for instance. Or, if you want basic protection for a few months until you get your job, you could buy short-term coverage too. If you're declined coverage everywhere, perhaps because you have a pre-existing medical condition, you can join the government's high-risk pool too.

It's a great idea these days to just take advantage of all the new rules that come into force with healthcare reform. There are many areas in this reform that can actually help. Health insurance plans can no longer impose lifetime dollar limits on the amount of coverage they will offer you. Individual and family plans these days offer coverage for preventive care services at no cost to you. It doesn't even matter if the cost of this preventive care amounts to less than your deductible level.

It may be really tempting for you to just stay on your parents' health insurance plan. In fact, it may appear as if this is the cheapest health insurance plan possible – to just not do anything. Before you decide to do that though, you may need to actually calculate things out. It isn't as cut and dried as all that. It's going to cost your parents something extra to keep you on their plan. It might actually be cheaper if you just covered yourself on your own.