| A major fallback that all financial institutions, and | | | | Does that truly make sense? So, if a student has |
| government agencies have had, in regards to | | | | an accident, it is alright if he becomes financially |
| student aid, student financing, student loan and | | | | indebted for many years to come, because he |
| even student jobs is the total lack of attention | | | | was young. Most students would probably choose |
| that has occurred with student health care. Do | | | | to have health insurance, if the option were |
| you realize that the largest population of uninsured | | | | available to them. |
| Americans are people aged 18 to 24. | | | | Many of these uninsured students have chronic |
| Today there are more than 48 million Americans | | | | diseases like asthma, diabetes, heart conditions, |
| that have little or no health insurance, and those | | | | and HIV that go untreated because of a lack of |
| numbers are expected to go up by 20% in the | | | | health insurance. Students need treatment with |
| next 10 years. Of those people that are uninsured | | | | depression issues, eating disorders and even drug |
| over 10% are college students. | | | | and alcohol abuse, and in most cases they cant |
| Now, that I have you thinking! Lets think about | | | | get it because of a lack of health insurance. |
| why this happens? If we know that this is true, | | | | How Can We Solve the Problem of a Lack of |
| and we also know that health insurance insurance | | | | Health Care in Young Adults? It is a subject that |
| is our biggest problem, then why don't we do | | | | is on the politicians table and should be paid |
| something to solve the problem of the largest | | | | attention to carefully. We could support candidates |
| population of uninsured? | | | | that look for a solution to the problem. It would |
| What causes this Age Group to be Uninsured? | | | | be great if in some way we as a nation could |
| The main reason that young college students are | | | | come up with some form of universal coverage. |
| not covered by insurance, is because they are | | | | Another option that you as a student can check |
| too old for their parents coverage, or in some | | | | into is the availability of a health insurance plan |
| cases their parents don't have insurance. Another | | | | that is carried by the University or College you |
| reason is because people in this age group are | | | | attend. |
| going to school, and can only afford to work part | | | | Many of today's colleges offer student health |
| time, and a part time job does not cover health | | | | insurance plans for students that are enrolled in |
| insurance needs. | | | | their University. In fact, this should be something |
| What are the Current Health Insurance Options | | | | you look at when you are choosing the college |
| for This Population? | | | | you will attend. |
| There sure are not a lot of options out there. | | | | Have Your Parents Ask Their Insurance carrier if |
| The student could purchase an independent | | | | they can keep you on their plan. Some insurance |
| insurance policy, but with independent insurance | | | | carriers will let students remain on a plan until they |
| policies costing well into the thousands of dollars a | | | | are 22. |
| year, this is not really a viable option. The other | | | | In conclusion, this is still somewhat of a difficult |
| option is for parents to continue covering the | | | | problem to deal with, and there still aren't any |
| young adult, and many insurance companies | | | | easy answers. But there are some solutions, if |
| refuse to do that. The parents could also | | | | you look for them. |
| purchase an independent health insurance policy | | | | Jim Donaldson is writer for the student loan |
| for their child that is if they can afford it. | | | | information site where there is more information |
| Many Argue that People in that Age Group Don't | | | | to be found on student credit cards. please visit |
| Really Need Insurance | | | | for more information. |