So, the short n' skinny of it is I moved to the state of New York a couple weeks ago. Easy enough, right? I had a job and an apartment lined up, no hitches. The company I work for is a start-up with less than 10 employees, and as such does not offer health insurance as a benefit to its employees. This is a bummer, but not a deal-breaker, and I've been working for the company for a past couple years. I recently graduated from university, hence the location change, and the opportunity to no longer be covered under my parents' health insurance plan. The problem is that, unless I'm looking in the wrong places, a young person can't afford good health insurance on his own. Blue Cross/Blue Shield, one of the leader's in health insurance, quoted me at $1500 a month for health insurance. This is extremely outside my price range. The next place I called had $600 a month coverage. Close, but no cigar. That's almost more than my rent. Finally, I settled with a company (that I'll not name) that offers limited indemnity insurance for about $200 a month, but the coverage is awful. It essentially covers a handful of doctor's visits a year, and that's about it. Accidents or catastrophe's are out of the question, I'm not going hang gliding for a looong time. So my question is, why is it so hard to find affordable, dependable health insurance? Is it just a NY state thing? Finding auto insurance was affordable, easy, and the people were extremely helpful. Finding health insurance was confusing, ridiculously expensive, and it all seemed extremely scammy. What do people in their early-20's do for health insurance if they can't receive it through their place of employment?