How to pay for health Insurance

Emma Weaver, staff writer

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According to HealthyPeople.gov, a government approved website, adolescents and young adults make up 22 percent of the United States population, and mostly this is a healthy period, but it is also a time where health and social problems begin to peak which can cause some costly problems when they get their own healthcare. 

“I don’t know much about healthcare other than it’s expensive and overpriced. I haven’t made a plan yet but when the time comes, I’ll probably just ask my mom for help,” said Abby Grafing, a junior. 

Adults are financially burdened with the cost of preventable health problems from teens and young adults, until they are on their own healthcare plan. The long-term costs of chronic diseases resulting from behaviors that started during adolescence, can cost taxpayers up to $289 billion, according to HealthyPeople.gov. 

“I think we should have free healthcare, because I think it’s more like a human aspect. People shouldn’t have to pay for things that they can’t control, like getting cancer, having a heart attack or having to get major surgeries. They can’t necessarily control those things so they shouldn’t be burdened for them,” said Madison Malthanar, a junior. 

Under the Affordable Care Act or better known as Obamacare, it helped Americans afford quality health insurance and also attempt to curb the growth in healthcare spending. But Obamacare also added in some new rules, according to ABCnews, by law, everyone is required to have some form of health insurance.

“Health Insurance was made mandatory and if you cannot afford insurance, the government subsidizes the insurance cost, this is a good thing and should enable the “pool” of funds to be leveraged but the same individuals that did not have insurance in the first place are typically the unhealthiest of the population. Obamacare made insurance premium amounts transparent between different health insurance carriers but the comparisons were not apples to apples,” said Dan Knies, the Managing Director of Evolent Health Inc. 

Teaching teens about the healthcare system, is the equivalence of learning how to do taxes. Yet it’s important topic that teens need to learn about before they’re on their own. Receiving regular healthcare a primary care facility will introduce teens to the concept of having a regular source of healthcare.

“I recommend a US Healthcare 101. We actually do this for all new employees at our company. I think this should be done within the mandatory Health Class that is taken in high school,” said Knies.

Learning about how the system works, in the constant changing and complicated world of health is one way teens can have a smooth transition into adulthood.