You have to be at least 18 years old to buy health care insurance. If you are under 18, your parents or a legal guardian are in charge of that. It is possible to gain independence in the circumstances that your parents are unfit or you choose not to have them as your guardians if you are under 18.
There are no age limits in health insurance reform - it is intended to make health care available to everyone.
Government provided health care, unemployment insurance, old-age pensions
John C. Goodman has written: 'Controlling health care costs with medical savings accounts' -- subject(s): Cost of Medical care, Health Insurance, Medical policy 'A primer on managed competition (NCPA policy report)' 'Should Healthy People Pay More for Health Insurance' 'Talking To Wendigo' 'Health care for the elderly' -- subject(s): Costs, Medical care, Medicare, Older people 'The changing market for health insurance' -- subject(s): Cost-plus contracts, Government policy, Health Insurance, Hospitalization Insurance 'Health care after retirement' -- subject(s): Costs, Medical care, Medicare, Older people, Retirees 'Medicare reform and prescription drugs' 'The elderly' -- subject(s): Cost and standard of living, Income tax, Older people, Supply-side economics, Taxation 'Health care in a free society' -- subject(s): Health care reform, National health insurance 'Priceless' -- subject(s): Medical care, Medical policy, Health care reform, Cost of Medical care 'The regulation of medical care' -- subject(s): Competition, Medical economics, Medical laws and legislation, Medical policy 'Social security in the United Kingdom' -- subject(s): Old age pensions, Social security 'Texas health care reform'
Old-fashioned thinking.
Full coverage insurance is debatable, but catastrophic care coverage is absolutely necessary. Say you get hit by a bus tomorrow, for instance.
Nineteen year olds cannot get inexpensive health insurance
The old adage, 'there's no such thing as free', really does apply to health care. Medicaid is the national system of free health care. It is run by the states, which means that there are different qualifications state by state. Some states are more generous than others. Some states have found ways to extend free health care to more people, mainly children and pregnant women. A few states let low wage earners buy in at a pro-rated cost. Many consumers find that it is more expensive NOT to have health insurance. It's worth the cost to protect your family.
The cheaper way would be to find a job and buy insurance through them, but there may be a waiting period. You can also buy independent insurance for yourself without going through your employer but it is VERY expensive.
Most people get health insurance through their job. Most insurance companies prefer to get one check to insure 100 people than to get 100 different checks. Since you have health insurance through your job when you lose your job, your old company no longer takes care of the paperwork. Most health insurance plans have a deductible. That means you must pay something.
If you're talking about qualifying for long-term care insurance, insurance companies start selling policies to people 18 years old and above. Of course you can buy later than that age but the younger you purchase a policy, the more savings you can get in premiums. You also get health discounts based on your good health. Since a long-term care need can happen at any point in our lives, regardless of age, it's best to have coverage if you can qualify for it now.
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Health insurance for older pets is generally very expensive, especially if they have prior health conditions. Pet health insurance may still be worth it for you. But if you do decide to get it make sure you thoroughly check what is covered. Sometimes few things are covered and those have a high deductible, making it more money for you to give care to your pet with the insurance than without it.