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" I was devastated, " Straub says. But she was also realistic: " In this economy, who can afford out- of- pocket for every doctor, every dentist visit? " Unless she figures something out - - and fast - - Straub will become one of the millions of young Americans without health insurance. A report by the Commonwealth Fund last year showed that 34 percent of college graduates will spend some time uninsured in the year after graduation.
The report also found that two- thirds of young adults ages 19 to 29 who spent time without insurance coverage in the past year had gone without needed medical care because it cost too much. Of course, the solution is to get a job that offers insurance, but that' s not so easy these days. According to the National Association of Colleges and Employers, nearly 80 percent of recent college graduates who are looking for jobs haven' t found one. " Lack of coverage and access to health care services puts the health of young adults at risk, and can subject them, as well as their families, to potentially dire financial consequences, " says Sara Collins, co- author of The Commonwealth Fund report. Some college grads, like Straub, are furiously trying to figure out a way to get insurance.
But others, dubbed the " young invincibles" think they don' t need it since they' re young and healthy. Watch a young invincible bike messenger talk about his experience But if something goes wrong - - a car accident, a cancer diagnosis - - a young, uninsured person could be in real trouble.
According to the Commonwealth Fund study, half of uninsured young people said they were paying off medical bills or medical debt over time. So if you' re about to graduate: Congratulations - - and welcome to the real world, where you' ll need health insurance. Here are some ways to get it. Know your rights
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