For a look at how an example of how some young adults view health insurance, take a look at a video from an earlier post. BD
The 22- and 23-year-olds Etti Baranoff teaches look fit and healthy.
But Baranoff is a finance professor at Virginia Commonwealth University who studies risk and the insurance industry.
She tries to convince the young adults they are one catastrophic illness or accident away from needing thousands of dollars in health care.
One student, recently kicked off a parent's health insurance policy at age 23, broke his leg playing soccer. Afterward, he tried to get short-term insurance.
It was too late. The leg was a pre-existing condition. When he could find a policy to cover him, the premiums soared to $400 a month.
The parting lesson? "Don't go without," Baranoff said.
"If you're young and healthy, you can get unbelievably cheap coverage," she added.