Visit Your Local PBS Station PBS Home PBS Home Programs A-Z TV Schedules Watch Video Donate Shop PBS Search PBS
Real Stories - Chapter 5

Rochelle James found herself needing to financially support both her new child and her little sister. She could have faced her challenge or crumbled underneath it. Fortunately, Rochelle joined Nontraditional Employment for Women and earned a coveted union position as an electrician.

While Rochelle managed to acquire health insurance, many young adults are not as lucky. Health insurance should be provided by your job or trade organization, and is important for you, and those depending on you.

Rochelle James

Rochelle James is currently an electrician living in New York City. She overcame a challenging situation, raising both her new child and her sister. Now, as a mentor, she inspires and teaches other women how to prosper financially and professionally.

What the Experts Say

"It does make sense to get renters' insurance, because it covers you for any damage that happens and it's not that expensive."


"20 million people, aged 18 to 34, still don't have health insurance. It's a huge problem."


"If you don't have a job that gives you health insurance, see if there's some organization you can join to get health insurance."

Beth Kobliner, Financial Author

Did you know?

  • 1 of 3 young adults does not have health insurance.
  • The average cost of an uninsured hospital visit is $3,300.
  • Renter's Insurance: You Do the Math
    • Average annual cost: $150 - $300
    • Average coverage: $35,000

Alternative content

Tools & Resources

Expert Advice: Types of Insurance

Facts about getting the right insurance at the right time.

Check it out

Understanding Insurance

Find out how to choose the right insurance company, premiums, and deductibles.

Check it out

Insurance Options

Learn all you need to know about the different types of insurance from HSBC Bank: Your Money Counts®.

Check it out

A Working Woman’s Guide to Financial Security

What you need to know about organizing, planning, and taking control of your finances.

Check it out

Benefits, Insurance, and Perks

Learn what insurance and retirement plans you are entitled to at your current company.

Check it out

Safeguarding Your Money

See what types of insurance will help you best overcome unexpected financial losses.

Check it out

Classroom Ideas: Chapter 5

Find fun activities to help your students learn about short and long term savings, choosing the right career, and planning for retirement.

Check it out

Words to Know: Chapter 5

Learn how to talk dollars and cents with this list of financial terms.

Check it out

Young Money Magazine: Special Edition Guide from Your Life, Your Money

See how insurance helps you manage your risk - which yes, we all have to deal with.

Check it out

Take Action

Now is the time to take charge of your personal finances. Here are three important things to remember about insurance:

  1. Shop around for the best deal.
  2. Get life insurance if you have dependents.
  3. Health insurance is a must.