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What to Look For in the Best Health Insurance for Young People When is work-based coverage best for young adults and students? If you're employed full time and usually get health insurance through your employer, this can be a good route as employers often cover a percentage or all of the premium costs. On the other hand, many students don't work full time, so they don't receive medical coverage through their employers. And, if the student doesn't work, the student often gets covered by a parent or guardian who does. So how can you find the best heal