Health Insurance Options for College Students

Posted by Nailah Herbert in MedicalNovember 8, 2019(Last Updated January 29, 2022)2 min read
Are you ready to make some real money moves?

All college students should have health insurance. In case you have a medical emergency, you don’t want to be stuck paying a ton of bills. Your college or university typically provides health insurance and a health facility (for non-life-threatening concerns), and even 2-year colleges offer medical plans.

Check out these six options for college students to receive affordable health insurance.

Health insurance through your university.

You can get health insurance through your university. Most colleges and universities offer health insurance for the students to ensure their health is a top priority.

Stay on your parents' health plan.

Your parents' health plan could be the best option for you. You are familiar with the rules and regulations of their health plans. So, there’s no reason to change health plans.

Apply for a plan through the ACA health insurance program.

The ACA health exchange (also known as Obamacare) may offer affordable health insurance options. It is estimated that 90% of the people who sign up for coverage may qualify for a discount on their health insurance payment. Some people may be eligible for a monthly payment of less than $100.

Learn more about how to enroll.

Stick with your current medical provider.

You can opt-out of health insurance with your school, if you already have a medical insurance provider.

Apply for health insurance through Medicaid.

Students who come from low-income households may be able to apply for coverage through Medicaid. Medicaid is a federal-state program providing health insurance to low-income Americans.

Apply for state health insurance.

If you are an out-of-state student, apply for state insurance. Applying for state insurance could be a cheaper option for you.

The bottom line is there are many options to receive health care or health insurance. Protect yourself now so that you don’t have to pay a ton of money later.

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