Health insurance premiums have been on the rise since the beginning of the last decade, and show no signs of slowing down. Even health insurance coverage that takes care of only the bare essentials is still too costly for some to afford. Sadly, that places many Americans, especially young people, in a difficult position. With little money to their name and, in some states, large fines looming over them if they do not have current health insurance; they can be stuck between a rock and a hard place. Getting crushed by that rock would unfortunately mean a large health care bill, so even that would be no relief. Here are some tips for finding the best health insurance quotes for young people.

The first way to find the best health insurance provider is simply to shop around. This is true with cars and apartments and it is true here as well. With many companies having made the switch to a predominantly online model, getting multiple health insurance quotes takes virtually no time at all. Just be sure that the quotes you’re comparing actually cover the same things. If you’re confused, which is often the case with the complex world of insurance provision, call one of the prospective companies and ask. Ask what the annual total payout is, and what exactly the policy covers. Be clear on your age, job situation and ask what the final monthly premium numbers are going to boil down to. Don’t let an agent talk you into a policy you don’t need or frighten you into a purchase by arguing that no other company will insure you. You have a choice.

Another option is to get covered under your parents plan or your employer’s. In the case of your parents plan, there can be limitations on age or residency which will make this difficult, but each health insurance provider is different. It is better to ask than assume, and learn too late that you living out of state voided your coverage. If you’re fortunate enough to have a steady job, your employer may offer health care coverage. Typically, these plans are reasonably priced, as they seek to give the most benefit to the greatest number of people, all of whom are in different financial situations. Once you’re on an employer health care plan, you can continue to use it, even if you are let go from the company, thanks to the COBRA legislation. You will have to pay the premiums, but it can be a good way to keep your health insurance current. Although health insurance will never be a truly “cheap” investment, a little effort can go a long way to lessening the overall cost.