One of the Most Grown-Up Skills You Can Help Them Learn: Understanding Health Insurance

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Most young adults don’t know how their health insurance works—until they’re in pain, stressed, or trying to navigate a system they’ve never used before.
Giving them a crash course (or encouraging them to read this blog!) is a gift that can save them time, money, and confusion.
Why It’s So Important:
- Emergencies happen—knowing where to go and what’s covered matters
- It builds independence and self-advocacy
- It protects their health and finances
- It helps them make confident choices about their care
What They Should Know:
- Who their provider is
- Where to go for different types of care (primary, urgent, emergency)
- What their copays are
- How to access mental health services
- What’s covered, what’s not, and what might require referrals
- How their campus health center fits in
We’ve created a free downloadable they can fill out and keep with their health info—plus tips on what to ask and how to prepare before they need care.
Grab our free Health Insurance Quick Guide + Info Tracker on our FREE Resources page
And for more ways to support your young adult with love and practicality, gift them
Unsolicited Advice for the High School Graduate: A Practical Guide for Becoming Independent