Going to the doctor can be costly, even if you have health insurance - it adds up when you have higher deductibles and co-pays.
Because it is so expensive, a lot of people are avoiding visits.
According to a Commonwealth Fund study, more than 40 percent of people ages 19 to 29 with insurance are declining medical care.
Blue Ridge Insurance Services President Karin Flagle said she is not surprised to hear these numbers, and many young people visit the insurance company asking for help.
Flagle said if a young adult is put on a parent's plan, most of those plans are high-deductible health plans, which have a $3,000 or even a $5,000 deductible.
She said the highest deductible plans are much more common now, and most young people aren't prepared to pay that type of money on top of student loans and rent payments.
Under the Affordable Care Act, you can stay on your parents' insurance until you are 26, but the Supreme Court will decide this month whether to strike down the law.
Flagle said she wouldn't like to see that happen.
"Whatever is in place, they should leave in place, as far as the coverage goes, because I'd hate to see 2.5 million people lose that coverage, so at some point, we need some stability," said Flagle.
Flagle advises young people to take that high-deductible plan, because it is much better than having no insurance at all.
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