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The High Cost of Health Insurance

Armen Hareyan's picture

Health Insurance Affordability

As wedding bells are ringing in celebration, health insurance is not a top concern for newlywed couples. While more college students are exchanging vows or reaching the dependent cutoff date, they suddenly find themselves no longer covered by their parents' policy. This ultimately leads to the reason why approximately 293,700 Kansas residents are currently without health insurance.

According to Aetna, a leading national benefits provider, individuals between the ages of 18 and 24 are the least likely to have health insurance. Nearly one in three young adults within this group has no coverage, which is a significant contribution to the 45 million people uninsured nationwide. Aetna said that with inflation well into the double-digit margins, cost is the main reason behind the lack of college-aged coverage.

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The high cost of health insurance is the largest obstacle to overcome for Amber Lang, graduate student. Due to many past health problems, she has had significant trouble finding an insurance company willing to accept her needs. Although she has found several affordable companies, many aren't willing to cover her medicinal requirements.

"It's stressful, especially as a student," she said, "because you want to have good coverage." In the past, she hasn't had to worry about health insurance, but with her 23rd birthday soon approaching, she will meet the dependent cutoff date for her family's policy. Although she isn't married yet, Lang knows she won't be able to rely on her husband's insurance either. "I know James's insurance isn't all that great. I know a lot of his other co-workers have had problems with it."

While some students struggle to pay for their policies, others rely upon a spouse to provide health insurance. Although currently devoid of a policy, Michael Lafond and his wife usually fall into this particular category. Previously, the couple was on a short-term plan for insurance, but after the policy expired they decided to let it lapse. With arrangements to start a policy under his new employer, the Lafonds are planning to be fully covered for health insurance soon.

As for students who remain uninsured, worries of not receiving healthcare are unnecessary. "We don't turn away students; even if you are