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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

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Health insurance for young mother

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: My daughter just called and is looking for health insurance. She lives in Port Charlotte, Florida. In any case she is not currently a full time student and doesn't live at home. She doesn't smoke and has no pre-existing conditions. She did have a child, who is now 2, but he is covered under his fathers health insurance. She is single, age 22. She can afford up to $150.00 a month, and of course want's the lowest deductible possible and any office co-pay would be good. I would greatly appreciate any recommendations on the best policy you may carry for her. She want's to take it out as soon as possible, due to having a child to take care of, etc.

A: The best choice for health insurance for a person that age group in FL is Secure STM 12x3 that offers full freedom of choice for medical providers and many "extras" not included in other health insurance. The price of the insurance would be $110 for a $1000 deductible policy with no office co-pay. She could apply the $40/month savings to the deductible and obtain 100% coverage for under $150 per month if her routine health expenses are typical of a 22 year old. This policy expires after three years but by then other choices will be available to her. Children of modest income parents in FL are eligible for state-assisted (probably free) health insurance under the "Insure Kids Now" program. Just check with the state insurance department or see the promotional materials that are usually found in a pediatrician's office waiting room.


More resources:

Secure STM 36 month coverage