Health Insurance for Students and Young Adults

Whether you're a student or out of school, you're on your own and making choices for yourself. But how do you choose the right health insurance plan ? If you've turned 26,¹ you’re no longer covered by your parents' plan. So it's time to choose the plan that’s right for you.

Wondering where to start? Let's start by looking at the basics of a quality health insurance plan.

What should I look for?

• Options. When comparing plans keep in mind the total costs, including premiums as well as out-of-pocket costs.
• Quality care. You need access to personalized treatment from doctors and hospitals, no matter where you are.
• Discounted rates. You'll want a range of in-network doctors and hospitals to choose from, so you can take advantage of discounted rates.
• Annual check-ups and preventive care at no additional cost.² Preventive care, like your annual exam and screenings, help you stay healthy.
• Easy-to-use tools. Online tools can help you pick plans and find doctors, and predict your costs.
• 24/7 service. When you have questions, you'll want access to your claims, as well as health care experts who can answer your questions.

How can I save money?

Like most young adults, you're probably just starting out and watching what you spend. The right health insurance plan can help you save money on out-of-pocket costs. When you visit in-network providers, you get access to lower rates that they've negotiated with your health plan. When you see an out-of-network provider, your costs are typically higher. That's why it's important to choose a plan and visit in-network health care providers and hospitals in your area.

How can I save time?

You've got better ways to spend your time than thinking about health insurance. It helps to choose a plan with a customized, easy-to-use online website and mobile app, so you can manage your health wherever you are. Get health information, find in-network providers, pay your health insurance premiums, view your health care claims, and print temporary ID cards.

And when you have a health issue on your mind, you want answers. It helps to have a health information line to call so you can talk to a clinician 24/7 to get information and help finding answers to your health-related questions.

How can Cigna Healthcare help?

Cigna Healthcare^SM offers plans that are designed to be cost-effective and may be available for young adults like you. Find out about the plans Cigna Healthcare offers:

• Health Insurance
• Dental Insurance
• Supplemental Insurance