The Upside: If you are 26 or younger, you may be able to get insurance through your parents' policy. If you buy coverage on your own in the exchanges, you will have access to cheaper catastrophic coverage. If you buy a traditional benefits package, you will pay less than those who are older.
The Downside: Traditional insurance purchased in the exchanges may cost more than what you can buy now, but you'll have to stay covered unless you qualify for an exemption.
30 percent of Americans ages 19 to 29 are now uninsured
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