A Midwestern health insurer is joining in the effort to help uninsured young adults.

Medica Insurance Company, Minnetonka, Minn., designed its new Medica Solo plan to appeal mainly to healthy young adults and other healthy consumers who are not sure why they need health insurance.

The plan does not require use of a long-term contract, and it comes with $200 worth of preventive care coverage with no deductible or co-payment, Medica says.

The plan also pays most of the cost of the first three non-preventive office visits each year.

The co-payment for generic drugs is $5, and buyers can choose from a list of deductibles for care other than preventive care, Medica says.

Medica will be marketing the plan by giving away Ipods and other prizes at the Minnesota State Fair and by setting up a Web site for the product at Document Link