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Health insurance for young adults

First-timers: Let's find you the right health plan

If your health insurance is through your parents and you turn 26, you'll soon need a plan of your own.

So how do you find the right one for you? The questions below can help you make sense of your options.

And when you're ready: Shop plans here

How to choose your first health insurance plan

Your answers to these questions can help you decide.


How many care visits do you expect?

The number of doctor appointments you think you'll need can help you find the right coverage. Remember: Even young people can get sick and have accidents.

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Do you need prescription drugs?

Medications can be expensive. If you take them often, you should see how your prescription drugs are covered and what your cost share will be.

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Do you have preferred doctors?

If you like your doctors: See which care networks they're in.  A plan with a smaller network can give you a smaller monthly premium — but you could pay more for out-of-network services.

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Can you handle surprise expenses?

You don't want to see your income swept away by medical costs — unexpected or otherwise. Your comfort with surprise expenses may help you determine what type of plan to get.

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Can you get financial assistance?

You may be eligible for help to pay premiums and out-of-pocket costs. Your income and other details will confirm what help you can get.

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Can you learn the lingo?

Knowing how health insurance works and what coverage terms mean can help you make the best choice. Learn more here

Shop individual health plans

Now you're ready to find a plan that helps you stay on top of your health - and meets your budget.

Still have questions?
We’re here to answer them.

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