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Bubble Boy

For decades now, one of the largest groups of uninsured Americans has been the 18 to 25 year-old crowd. In insurance parlance this group has been dubbed the "Young Invincibles" because their youth and good health typically give them the best prices on health insurance; a low likelihood of having an application declined due to pre-existing conditions and yet they remain the most difficult group to insure. Why? Many simply won't take the time to look for health insurance; either because they don't think they need it (they're young and invincible) or because they assume it's unaffordable. Give President Obama credit for addressing the issue head on in his 2009 address to Congress, when he said, "Those of us with health insurance are... paying a hidden... tax for those without it -- about $1000 per year for somebody else's emergency room... care. There may be those -- particularly the young and healthy -- who still want to take the risk and go without coverage... The problem is such irresponsible behavior costs all the rest of us money..." The President also did something about this issue in his health reform law by making it easier for young people to stay on their parent's health insurance and providing new protections for people who buy their own health insurance. At eHealthInsurance we think this is an important issue as well. So, we ran a contest with the PopTent community of filmmakers where-in we challenged them to come up with a 30 second video that would encourage people to review their options and get covered. These are the four winners: If you think covering the uninsured is an important issue, please pick your share your favorite video and share it with your friends on Facebook, YouTube or Twitter. And, please let us know about it here on our blog as well, so we can let the video creators know who - in your opinion -- won. eHealthInsurance will feature the video that gets the most views in a upcoming advertisement. America's health care system is not perfect, and there are people who can't get health insurance no matter how hard they try. But, there are also uninsured people who could qualify for affordable health insurance if they took the time to look. So, we're encouraging every uninsured American to: 1. Check your options -- Go to eHealthInsurance.com or work with another licensed agent to get quotes for private insurance options in your area. Most people are shocked by how affordable an individual health insurance policy can be, especially for young adults. 2. Expect better benefits - Provisions of the health care reform law expanded benefits for many new health insurance policies. For example, it put an end to lifetime dollar limits on coverage (for most medical services). It also made certain preventive care services available to policyholders at no out-of-pocket costs and increased consumer protections from rate increases. 3. Don't run from pre-existing conditions -- Review eHealthInsurance's list of pre-existing conditions that don't necessarily result in a declined application for individual insurance. And, investigate the new pre-existing condition health insurance plans available through the Department of Health and Human Services at Healthcare.gov. 4. Get a second opinion -- Contact the non-profit Foundation for Health Coverage Education (www.coverageforall.org) if you can't qualify for private insurance due to a medical condition, or if you find the cost of health insurance to be too expensive. The Foundation for Health Coverage Education can direct you to all available state and federal health insurance products available for people in your position. 5. Pay a fair price -- Don't be afraid to negotiate prices for expensive medical procedures. Find out what the going rate is for a host of medical services by visiting Healthcare Blue Book (www.HealthcareBlueBook.com). This strategy is especially helpful for people who have high deductible health insurance plans, Health Savings Accounts (HSAs), are uninsured, or forced to visit an out-of-network medical provider. Let's hope that if we make it clear to young people that finding health insurance has never been easier, we'll begin to see the behavior change we've been looking for.