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Affordable Health Insurance For Young Adults Question & Answers

2014 January 18
by Sarah Fields

David asks…

Can you recommend me a good health insurance?

I missed out on signing up for healthy insurance where I work and I’m becoming worried that I might have to go see the doctor soon. So I’d like to get a good quality insurance. I’m 22, male, single no kids and I’m from texas. If you know of a good insurance that covers well please share. I’d like to sign up really soon. Also if you have any for dental and vision coverage that would be great! Thank you.

Sarah Fields answers:

If you’re young and relatively healthy you may have some pretty affordable options when purchasing coverage on your own. Given your age, you may also be able to stay on your parents’ plan. One of the provisions of health reform law allows adult children (whether or not they are in school) to stay on their parents’ plan until age 26. That provision goes into effect this September. Talk to your parent’s Human Resources department to learn more.

If you want to purchase coverage on your own, however, I’d recommend working through a licensed agent. It’s not generally a good idea to make a straightforward recommendation without more information than you’ve provided here. But a licensed agent (online or off) can help you get quotes from a variety of insurers in your area and help you find the best match for your needs and budget. It doesn’t cost anything extra to work with an agent. Through our company’s site at, for example, you can compare plans in your area and read customer reviews before applying. And of course you can also talk with a licensed agent for personal help.

Whatever you choose to do, just make sure you get covered. Best of luck!

Laura asks…

Health Insurance for a College Student in California?

I am a 19 year old who is a full time student in college. I just moved out of my parents home a while back and well I dont have Health Insurance. I’m in desperate need to see a doctor and as well as a Gyno due to menstruation problems and I tried applying for Medical but on the application it said i couldnt go further unless I was a pregnant person or have children. I just need a affordable plan.
Any suggestions for a new-adult?

Sarah Fields answers:

All California public schools offer health insurance for their students. If you are going to a community college or Cal State = review your school’s website for the information. At the UC level insurance is required and the school will add the cost of insurance as part of your fees, unless you prove you have other insurance. (Medi-Cal is not insurance, it is welfare health coverage).

Additionally, Anthem Blue Cross offers a young adult insurance plan called Tonik.

Susan asks…

Is there anywhere young adults can go to get free therapy?

I’m 18, and I have some private emotional issues and I know I have a problem. I need to talk to someone about it and maybe get a new outlook on life. I’m wondering if there are any clinics that I can go to and get free therapy because if I put it on my insurance, my mom will see. I live in Los Angeles if you guys can recommend anything….

thanks so much!

Sarah Fields answers:

I don’t know about free therapy, but there are ways to get help at a relatively low cost.

The least expensive way is to find a therapeutic book. Located where you are, in a major city, you should be able to find an amazing resource called The Handbook of Self-Help Therapies. It reviews research on programs and books for a range of disorders: depression, panic, phobia, social anxiety, eating disorders, and more. Some books, such as Feeling Good by David Burns, have been as effective in clinical trials as conventional therapy. Also, The PTSD Sourcebook by Glenn Schiraldi has been praised by many mental health professionals.

This is advice from the blog of a counselor and social worker:

“Seeing a psychotherapist is becoming mainstream. Once reserved for people with a lot of money (and time) to undergo extensive analysis, counseling is becoming more available and if you know where to look more affordable. Depending on where you live, fees for a master’s level counselor in private practice can range from $50-$125 an hour. You may qualify for free or low cost counseling if you know where to look.

“First, think about why you want to enter into therapy. The first questions I asked my clients are why are you here and what do you want to change. The answers to these questions can help steer you in the right direction in the search for affordable therapy. If you are a survivor of trauma, check to see if your area has a rape crisis center, women’s center, veterans assistance, or victim assistance program. If you want a better marriage and you are religious, check out faith based programs. If you want support parenting, see if there are any support groups, play groups, or parenting classes in your area. Ask your local clinic if they offer counseling services. Do you have insurance or medicaid? Ask who you can see under those programs.

“If you want counseling because of a general dissatisfaction with your life. You may have to pay out of pocket, so contact local counseling agencies and ask if they have a sliding scale. Consider seeing a less experienced intern. Your local university may have a student counseling clinic. In most states counselors have to be supervised for thousands of hours before entering into private practice. During this internship, they have very reduced rates.”

If you’d like to know more, one way to start would be using Google with key words “affordable psychotherapy.”

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