New surveys of recent graduates show that most are apprehensive about
their job prospects. A majority feel that they may not find a job, and
many are worried that they may not get employment in their chosen field.
In fact, many are looking at a prolonged wait for financial
independence. Uncertainty about the fate of health reform is another
major concern among these young people. However, even with all these
doubts in the air, going without coverage is not advisable. Affordable
individual health insurance in Kentucky is available. If you are a
recent Kentucky college graduate, going by the following tips can help
you stay covered.

•    Health reform law now allows children to
stay on a parent’s health insurance plan until age 26. If you are
healthy, it may not cost much to keep you on your parent’s plan. You can
even contribute a share of the premium if you manage to find a job –
while you wait for employer coverage to begin.
•    Short-term
health insurance is a good option. Low-cost, high-deductible, short-term
plans offer coverage from 30 days to a year. Though they do not cover
pre-existing conditions or preventive care, you would get coverage for a
sudden or unexpected hospitalization.
•    If you are uninsured for
six months or longer, you may be eligible for coverage in the state’s
high-risk pool. The pool is meant to bridge the gap till a health
insurance exchange is established in 2014.  

In a recent survey,
most recent graduates reported that their first employer did not provide
them with a health insurance plan. If this is the case, you should
definitely check out the affordable individual health insurance plans
that leading health insurance Kentucky companies offer.  

Be Aware

It helps a lot to be educated about Kentucky health insurance and any recent happenings and how they will affect you.

•    Remember that, by 2014, you may be required to purchase health insurance on your own through a health exchange.
•  
 Budget for health insurance – you should not go without it. You should
be aware about the various items that count towards the cost of your
policy.
•    Look into whether it is cheaper for you to purchase a
Kentucky individual health insurance policy of your own, or to stay on
your parent’s plan.
•    Educate yourself to understand health insurance terms.

In order to make the best decision for you, get professional guidance on all of the above from an experienced, licensed Kentucky health insurance broker who can find affordable coverage for you.