Science8/9/2025NYT

A Guide to Finding Insurance at 26

A Guide to Finding Insurance at 26

The article discusses the challenges faced by young adults in finding insurance coverage after they turn 26 and lose their parents' health insurance. It provides a guide to help them navigate the process of securing their own insurance. The key points are: 1. Understand the options: Young adults can explore options like Medicaid, subsidized plans through the Affordable Care Act Marketplace, or short-term insurance plans. 2. Evaluate costs: Factors like monthly premiums, deductibles, and out-of-pocket maximums should be considered when choosing a plan. 3. Explore employer-based coverage: If available, employer-sponsored health insurance can be a more affordable option. 4. Consider the timeline: Deadlines for enrollment in the Marketplace or Medicaid vary, so it's important to plan ahead. 5. Seek assistance: Resources like insurance brokers, healthcare navigators, or community organizations can provide guidance in the process. The article aims to help young adults navigate the complex landscape of health insurance after losing their parents' coverage, emphasizing the importance of research, budgeting, and seeking support to make an informed decision.

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