With youth comes a sense of indestructibility — that Nothing or no one can get to you, not even injury or illness. In fact, most young adults under 30 have never fought disease or physical disability.
With that in mind most younger individuals opt not to get pricey health insurance as rent and living expenses take precedent over the possible need for prescriptions and doctor visits when personal injury happens. That coupled with the current recession and the number of uninsured is expected to grow. A report in Health Affairs notes that the increasing unemployment rate coupled with the rising cost of insurance could elevate the total number of uninsured Americans to 52 million by 2010.
Our firm’s San Diego personal injury attorneys know that accidents that require medical attention happen daily. Just because you are young does not mean you might not get injured in a car accident or pedestrian accident that may not be your fault. Each year, there are over six million auto accidents in the United States. An estimated 40,000 people are killed in fatal car accidents, while as many as three million people are injured in auto accidents.
One of the main problems keeping young adults from health care is that most young adults have incomes 200 percent below the federal poverty level, according to the Urban Institute report. Yet some how, only 13 percent of young adults are eligible for Medicaid or other public programs that help the underprivileged pay their medical bills.
It seems that many young adults go without insurance because they fall into one of several gaps in the current health care system. Most insurance policies terminate coverage for dependent children at either the age or 19 or when they complete (graduate or drop-out) of college. Without their parents’ insurance, young adults are left to find their own coverage.
We hope that something will be done about this. Our personal injury attorneys in San Diego believe that health coverage is an essential form of coverage for all individuals. If you or a loved one suffer a debilitating injury and are not insured, many doctors will not even see you, and if they do see you, you could be left to foot the bill for some high medical bills.
Call us now at 1-858-551-2090 or click here for a free consultation with an experienced San Diego personal injury attorney and find out how we can help you. We speak English and Spanish, and we look forward to providing advice for your case. No fee if no recovery.