How to Find Affordable Student Health Insurance

Many college students have a sense of security in their youthful, good health and feel that health insurance would be an unnecessary expense. However, unexpected accidents can happen, and hefty medical bills can get in the way of continuing a college education. There are many affordable health insurance options available to students.

Verify whether or not you are on your parent’s health insurance and how long you can stay. In September 2010 the Patient Protection and Affordable Care Act (PPACA) enacted a provision that permitted dependents to remain covered under their parents’ health insurance plan until their 26th birthday.  The law includes: dependents not claimed on their parent’s tax return, dependents no longer living at home, dependents that are not students, and dependents that are married. If you are under the age of 26 and still on your parent’s health insurance, you can stop here. If you are close or over the age limit or no longer on your parent’s health plan, continue to the next step.

1. Call the Student Health Center and ask if they offer student health insurance plans.  Many schools offer and strongly encourage students to maintain a form of health insurance.  It cuts back on the school’s liabilities and gives their students a safety net just in case something should occur. An example of health insurance coverage offered through schools is Academic HealthPlans – a company that works with a wide range of schools to provide insurance.  Also, keep into consideration that many health services at schools offer students access to an on-campus doctor for a limited cost.


2. Research government programs that provide students with healthcare plans. There are many programs accessible to people considered low-income.  If you’re an independent and not employed full-time, you are most likely in the low-income category. Call on programs in your city to see if you qualify to receive affordable health insurance.


3. Ask your employer if they provide health insurance plans for students.  If you are a student with a part-time job, many employers offer affordable health insurance plans through the company.  You will still be required to pay for your health insurance, but it will be at a lower cost.


4. Call major healthcare providers to verify if they offer insurance programs for students.  Many healthcare companies design plans reduced in costs and only available for students.  For example, Aetna offers a student health insurance plan.


5. Utilize search engines by performing an internet search for affordable student health insurance.  Do extensive research on the information you find.  There are several opportunities, but make sure it is not a scam by calling the company, reading all terms and conditions, and asking around.