When we first moved to North Carolina a couple years ago, we decided we needed to get short term insurance to cover us until I qualified for insurance with the job I took.
Health Insurance can Protect your Finances
Getting the health insurance for yourself, whether you’re a college student or new graduate is important. Medical bills can have a huge effect on your finances and chances of filing bankruptcy. The good news is that you can find ways to get some kind of coverage, depending on your situation.
If possible, see if you can stay on your parents’ health insurance plan while you’re in school. Not only will you probably find a cheaper premium, you may also get better coverage under their plan.
Sometimes, though, you have to get your own health insurance plan. It’s not as daunting as you may think, it just takes some time to shop around.
Criteria for Choosing the Right Health Insurance Plan
There are three factors you should consider before purchasing a health insurance plan – premiums, deductibles, and copays/coinsurance.
You’ll probably notice how many numbers are floating around when looking at plans. I found it easier to compare insurance plans side by side on a spreadsheet to see what the yearly costs were.
Your Thoughts on Getting Health Insurance
Do you have health insurance currently? What tips do you have on finding a good deal?