Health Insurance For College Students

· 2 min read
Health Insurance For College Students

If you're a college student, you're probably wondering how to find affordable health insurance. You can find student health insurance plans through your college or university. In most cases, you'll need to take a minimum of nine to twelve credits each semester to be eligible. Make sure you check to see if you qualify and that the plan you're considering is ACA-compliant. You may also qualify for tax credits, Medicaid, or free coverage through the state exchange if you're a low-income student.

Short-term health plans

Short-term health plans are designed to provide coverage for up to 12 months. These plans are usually offered with the option to renew, but there is no guarantee that the coverage will continue after the end of the term. Insurance companies can cancel your coverage or charge you a higher premium if you renew. Short-term plans are a good transitional option for young adults. They cover many basic health care services for young adults, including emergency room visits, doctor visits, x-rays, lab tests, and hospitalization.

Employer-sponsored plans

Employer-sponsored health insurance plans for a college student can provide various benefits, including coverage for preventative care and essential health benefits. Some plans charge a flat premium for a family or are based on the number of people the plan will cover. College students can also switch to campus-sponsored health insurance plans if they do not wish to pay the premium on their parent's plan.

Medicaid

Medicaid is a health insurance program that is designed for low-income individuals. This program covers pregnant women, the elderly, and people with disabilities. However, some states have expanded this program to cover adults who make less than a certain amount. If you are a college student, you should check with your state to determine if you are eligible. There are also specific requirements for college students to be eligible for Medicaid.

Parental plan

When considering the cost of parental health insurance for college students, it's important to consider the policy's specific coverage. Most plans cover full-time students until they reach age 23, though this varies by policy. Generally, a full-time student is enrolled in 12 or more credit hours per semester and takes six or nine credit hours per summer. In addition, a student's age changes if they marry, and the policy's coverage ends once the student is no longer a dependent.

Short-term plans

A short-term health insurance plan is a great way for college students to afford health insurance. These plans usually cover the costs of a range of medical services and are easy to obtain. Some insurers can approve your application within 24 hours and issue you an insurance card the same day. Coverage typically includes emergency care, major medical benefits and drug discounts. Additionally, most plans have a national network so you can receive care anywhere in the United States. These plans are especially useful for students traveling within the country or for students not sure where they'll be living for the summer.

Compass plans

Compass offers a variety of health insurance plans for college students, with some options offering a lower cost than others. For instance, the Care Sports plan is priced at $103 a month for an F-visa student and includes low copays and deductibles. Additionally, it covers intramural and club sports. The plans also include a UHC network, which keeps costs down. Students can also visit a student health center at no cost.