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What are the Current Health Insurance Options for This Population? There sure are not a lot of options out there. The student could purchase an independent insurance policy, but with independent insurance policies costing well into the thousands of dollars a year, this is not really a viable option. The other option is for parents to continue covering the young adult, and many insurance companies refuse to do that. The parents could also purchase an independent health insurance policy for their child that is if they can afford it.home tsh test | home thyroid test | home psa test