On Your Side: Health Insurance Help

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News 12 at 6, August 30, 2007

AUGUSTA, Ga.---For many recent college graduates, now is about the time they are being kicked off of their parent's insurance. It seems like it's getting harder and harder to find health insurance. Costs have been skyrocketing and many employers don't even offer it anymore.

It may seem like an impossible dream, but it doesn't have to be if you know where to look.

Normally, it's Gwendolyn Cuenin who's giving the lessons to her students, but not too long ago she had to learn a lesson of her own. A lesson about health insurance.

"If something was to happen, it would mess up my entire future as far as debt would go," Gwendolyn said.

Gwendolyn is a teacher now with good benefits, but that wasn't always the case.

"Cause I had aged out of my parents insurance," Gwendolyn said.

Gwendolyn and her mother found a policy online that would get her through until she found a job that would provide insurance for her.

She's part of a generation sometimes referred to as the young invincibles. They are 18 to 25-year-olds who forgo health insurance partially because of the cost and partially because they are young and healthy and they feel, well, invincible.

But that can create risks, especially in the case of a serious and therefore expensive sickness or injury. Those risks don't have to be taken.

"They'd be surprised. Literally for less than a latte a day, you can find a major medical insurance plan," said Sam Gibbs, senior vice president of www.eHealthinsurance.com, an online shopping center of sorts for medical insurance.

That's just one place where you can go to comparison shop for insurance plans offered by reputable and well-known insurance companies, many for under $100 a month.

There are other places to shop too, but the point is there are places you can find insurance if you look in the right direction. Because as Gwendolyn knows , you never know when you're gonna need it.

It's just for the peace of mind," she said.

If you are one of those folks, young or old, who is going without insurance, you may want to consider this: a relatively short trip to the emergency room can cost you several thousand dollars. It can be a lot less if you have insurance.

And for many people just out of school or even between jobs, there are short-term policies that affordable and easy to sign up for.

Just do a little digging on the internet and you very well could find what you need.

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