Healthcare reform
Today's young adults are confident, ambitious, and many seem to think they are invincible. Assuming that there is a possibility and nothing can happen to sound like a smart idea, but it is not. It could end up cost a lot.
Many adults aged 19 to 29 is not to buy health care. Young adults less than 20% of the population but represented nearly 30% of the uninsured, nearly twice as much as it is for the entire elderly population, 17.9%.
The gap is so critical and so expensive that House Speaker Nancy Pelosi recently announced a new provision in the proposed health insurance reform Bill: It provides young people, according to parents' insurance until their plan 27th Birthday remain covered.
Young people are for cash like everyone else in those days. They strapped to fight for their lives, to pay his rent and tuition debt to begin with costs.
They usually begin with coverage in plans for their parents or are in an open plan. Contrast, the average health insurance ceases at the age of about 19
Young adults are as responsible for the purchase or subject to individual insurance coverage through their employers. The possibilities are limited.
Contrary to popular belief, young adults are more susceptible to certain types of injuries and illnesses than any other population group. The incidence of sexually transmitted diseases (STD) is highest among young adults, particularly chlamydia, gonorrhea, human papillomavirus (HPV) and HIV. Begin to diagnose chronic mental disorders and substance abuse are usually around the age of 24.
Young adults rarely seek or receive treatment, compared with other groups.
Many young adults who are not health insurance or who become ill from the use of expensive emergency room care is seen as a substitute, a family doctor. This cost of such uncompensated care - an estimated $ 40.7 Billion in 2004 - transferred to the insured, can be further increased health care costs for individuals and employers, the insured does not lead people.
The inability to pay medical costs have a negative effect on a family, credit, student loan debt in future planning.
Even common diseases which costs thousands.
- Flu and STREP diagnosis of the doctor's office
- $ 90 - $ 190
- Emergency department visits for influenza or STREP
- $ 329
- Emergency treatment for a broken ankle
- $ 429
- Diabetes, Annual Treatment
- $ 13,243
- Depression, diagnosis and treatment
- $ 13,929
- Breast cancer in women, 20-30
- $ 19,508
- Motorcycle accident with a helmet
- $ 31,158
- Motorcycle accident without a helmet
- $ 37,317
- Leukemia or brain cancer, diagnosis and treatment
- $ 723,814
Sources: Blue Cross, 2007
Health insurance plans can be affordable. The average cost of a plan for adults over 29 years is approximately $ 100, depending on the excess. There are affordable health insurance plans for all types of budgets.
