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College students are a pretty unique population for a few reasons, and we’re not talking about how much they love to party. However they are unique from other adults in that they are under 26 and they have more options than most adults for choosing health insurance. Except for those who go to university later in life, most college students are between the ages of 18 and 22. Here are the options for people who are that age.
Enroll in a college student health plan. Most colleges offer specific health insurance for their students. If you want to enroll in one of those plans, you will most likely be covered from having to pay the “no health insurance fee.” Most of them are legitimate health insurance plans that will cover you in the case that something happens. College is stressful enough without having to worry about your health.
Stay on your parents’ plan. Ever since the inception of the Affordable Care Act, those who are under the age of 26 and are still a dependent of their parents can stay on their parent’s plan. If you live in the same state as your parents it would probably be worth it to stay on their healthcare, if they have it. They can add you to their health plan during the open enrollment period only so make sure that you get it done right on time.
Get your own insurance. If you live in a different state than your parents, you are over the age of 26, or no one claims you as a dependent on their taxes, it’s probably better to get your own health insurance, even if you are still a dependent of your parental units. This is because health insurance doesn’t translate very well from state to state. Each state has different plans and regulations, and you may end up paying more if you keep your parent’s plan because you’ll likely be going to out of network providers.
Go without. If you choose to go without insurance you will have to pay at least $695 per year. This price may go up as inflation takes hold. However, that is probably way cheaper than it would cost to pay for health insurance for the year, so if it’s really an issue to come up with that dough, you could go this route. However, it’s really not a good option because if something happens you will be completely out of luck and will have to foot the bill completely.
Health insurance is very important for kids in college, even though they think they are totally invincible. Long hours studying and partying leads to illnesses like mono and other things that can occur from a weakened immune system. Plus, just like any time of life, you never know what is going to happen, and you want to be covered for those just in case moments.
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