The purpose of this study was to determine health insurance literacy levels and assess attitudes and perceptions about health insurance among young adults aged 18 – 24 years. Data for this quantitative descriptive research was collected using the Health Insurance Literacy Measurement (HILM) tool in addition to 15 developed survey items. The survey was distributed to 233 student Minnesota State University, Mankato students. Overall findings of this research indicated that among sample young adults, most of the participants had positive attitudes and perceptions towards health insurance, such viewing health insurance as something important to them and important to their health. Additionally, findings from the HILM tool indicated that participants lacked confidence when it came to choosing and using a health plan. However, findings also indicated that participants practiced behaviors that would enable them to choose and use the health plan that’s best for them.


Judith Luebke

Committee Member

Joseph Visker

Committee Member

Mark Windschitl

Date of Degree




Document Type



Master of Science (MS)


Health Science


Allied Health and Nursing

Creative Commons License

Creative Commons Attribution-NonCommercial 4.0 International License
This work is licensed under a Creative Commons Attribution-NonCommercial 4.0 International License


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