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Student Health Insurance Options

As a student, obtaining the best health care coverage possible is a major priority. Without insurance, a serious injury or accident could sideline you with thousands of dollars in medical bills and potentially cause you to drop out of school. While there are many options available to you as a student, they will soon be changing, because of the Affordable Care Act. Signed into law in 2010 by President Obama and known as Obamacare, this law is designed to introduce new health insurance programs along with a health insurance exchange. Here are your current options for student health insurance as they currently stand.

Parents’ Employer-Provided Plan

According to USAToday, more than two-thirds of college students were covered under their parents’ health insurance plans in 2010. According to the latest health care revisions, students can now stay under their parent’s health insurance plans until they turn 26. The best advantage associated with this is that you can get much better coverage than you could get on your own as a student. Along with this, you will not be excluded from the plan because of a pre-existing condition.

However, if you are currently attending a school away from home, you may not be able to obtain coverage from providers on your parents’ health insurance plan. This (Read More....)