Health Insurance for Young Adults—Why It Matters in 2025

If you’re young and healthy, getting insurance might not feel urgent—but skipping coverage can be a costly mistake.

Accidents, unexpected illnesses, or even a surprise trip to the ER can leave you with thousands in medical bills. Health insurance protects both your wallet and your peace of mind.

In 2023, nearly 1 in 5 young adults (ages 19–34) were uninsured (U.S. Census Bureau). The good news? Getting covered in 2025 is easier—and more affordable—than ever. 1

Health Insurance Options for Young Adults
You’ve got more choices than you might realize. Here are the most common ways to get health insurance as a young adult:

• Stay on a parent’s plan (until age 26)

• Get coverage through your job (if your employer offers it)

• Buy a plan on Healthcare.gov or your state’s marketplace

• Apply for Medicaid (if your income qualifies)

• Purchase an individual health plan directly from an insurer or trusted broker

Each option has pros and cons, so take time to compare what fits your needs.

What Makes a Great Health Insurance Plan?

Not all “affordable” health plans are created equal. A great plan should fit your real-life needs—not just your budget:

• Good coverage: doctor visits, mental health, prescriptions, urgent care

• Affordable monthly premium

• Low deductible and out-of-pocket costs

• Large provider network (so your doctors are covered)

Think of it like picking a phone plan. The cheapest one might seem smart—until you realize it doesn’t cover what you actually need..

How to Find Affordable Health Plans That Actually Work

Good coverage doesn’t have to mean high cost. Here’s how to find health insurance that balances value and affordability:

• Work with a trusted broker to find you personalized, affordable plans at no extra cost to you

• Go to Healthcare.gov (or your state’s marketplace)

• Compare Bronze and Silver plans, Add up the premium + deductible for budgeting, See if you qualify for subsidies

Pro Tip: Over 90% of people who enrolled in Marketplace plans received subsidies to help lower their monthly premiums—so don’t assume you’ll pay full price. 2

Health Insurance FAQs for Young Adults

What’s the cheapest health insurance option for young adults?
If you qualify, Medicaid is usually the lowest-cost option. Otherwise, Bronze or Silver plans can cost less than $50/month after subsidies.

Can I stay on my parent’s plan after I turn 26?
No, you must sign up for your own plan upon turning 26.

I’m healthy. Do I even need insurance?
Yes! A broken bone, urgent care visit, or unexpected diagnosis can cost thousands. Insurance also covers preventive care like checkups and vaccines.

How do I make sure my doctor is covered?
Check the insurer’s online provider directory before enrolling. Look for “in-network” doctors and clinics.

Final Thoughts—Protect Your Health and Your Future

Don’t wait for a health scare to get coverage. The earlier you enroll, the more options you’ll have—and the more peace of mind you’ll gain.

Health insurance for young adults isn’t just about staying safe—it’s about staying smart. Contact us to get a free quote today!