What it is: Tonik is an individual health policy designed for young adults, primarily for those ages 19 through their early 30s. It is provided by Indianapolis-based health insurer WellPoint Inc..
When it was rolled out: The plan was launched last year in California and is now available in Colorado, Nevada, Texas, and Illinois. Tonik, or similar products, will be offered across the country in the coming months.
When it will be in Indiana: By the end of 2006.
What it costs: Tonik users can pick from three separate plans: "Thrill Seeker," "Part-Time Daredevil" and "Calculated Risk Taker." Monthly premiums range from about $64 to $123, depending on a person's age, location and medical history. The deductible -- or out-of-pocket costs -- run from $1,500 to $5,000, depending on the plan. Doctor visits cost $20 to $40.•
Other features: Tonik plans include limited dental and vision benefits.
Who buys it: WellPoint said about 70 percent of those enrolling in Tonik were uninsured. Most are in their 20s or 30s, and slightly more than half are male.
About the uninsured: Roughly 45 million Americans, or almost 16 percent of the population, did not have health insurance in 2003. People 18 to 24 years old are the least likely of any age group to have health coverage, with 30 percent uninsured in 2003.
Source: National Coalition on Health CareHow important is health insurance to you?
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