Look up Health Insurance in the yellow pages and call around asking for high deductible individual policies. Decide how high a deductible based on how much savings you (or your parents) could afford to spend if you break you leg or something. The higher the deductible the lower the monthly payment. Assuming you're relatively healthy and don't expect to visit the doctor more than once or twice a year, you'll come out ahead with this sort of policy vs. HMO or HMO-type (certain years you may not). I don't know if you're male or female, but females should watch out for pregnancy exclusions in these types of policies. The ONLY 100% birth control is ABSTINENCE. The policy should be guaranteed renewable so they can't drop you if you get sick. Also, be prepared to recount and explain every doctor visit within the last few years on the application.

DO NOT go without insurance if you can help it. One emergency trip to the hospital in the middle of the night can cost you major $$$$.

Good luck. This won't be a fun process :(

Lara

p.s. and get a job! (Meant in the kindest possible way, it is the best way to get health insurance)

pps. I found BC/BS had the best policy in my area when I was looking for individual coverage.