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Last update: June 28, 2008 - 4:14 PM

 

Young adults without either the means or the perceived need to own a full-sized health insurance plan do have cheaper options. They include:

SHORT-TERM PLANS

These run for 30, 60 or 90 days and are aimed at people between jobs or just out of college. All major Minnesota insurers offer them. They're available immediately but don't cover pre-existing conditions. State law limits coverage to 365 days in any 555-day period.

Sample premium: $47 a month for a 20-something nonsmoker on a 30-day plan with a $1,000 deductible (Blue Cross Insta-Care).

NICHE PLANS FOR YOUNG ADULTS

Blue Cross' Simply Blue, Medica's Solo, HealthPartners' Three for Free and the upcoming "PreferredOne For One" fall in this category. None cover maternity costs though they do offer some upfront benefits.

Sample premium: $89.33 a month for a 20-something nonsmoker with a $4,000 deductible from HealthPartners' Three for Free, which includes three free doctors' office visits.

Sources: Health plans

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