I am 22 years old, and I think I need to buy health insurance for myself and get off my parents plan, i am still in shcool and dont have a job, what can i do?
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Most group insurance plans allow dependents to be covered while a full time student untill age 24 or 25. Have your parents check the the specifics of their health plan. If you are only going to school Part Time, and do not have any health issues, consider whats called a "catastrophic" individual health plan. It has a high deductible, with moderate copay options which will keep you covered for any nasty young person injuries (the most likely claims someone your age will get-like broken bones snowboarding, twisted ankle hiking etc). In other words, the odds of you getting cancer are pretty rare, so why pay high rates? Look up on the internet "individual health plans" and compare. If you have any questions about the terminology, ask again here! Your monthly premiums will be pretty low. Another option: look up Health Savings Accounts.
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