Health Insurance For Students: Staying Healthy In College

​College life introduces students to new experiences, challenges, and responsibilities, one of which is managing their own health care. Having a solid health insurance plan is crucial for students to ensure they remain healthy and focused on their studies. This blog explores the importance of health insurance for students, available options, and key considerations to help students make informed decisions.

Why Health Insurance Matters for Students

• Access to Care: Health insurance provides students with access to necessary medical services, from routine check-ups and vaccinations to emergency care and mental health support.
  
  
• Financial Security: Medical expenses can be high, and having health insurance prevents unforeseen health issues from becoming financial burdens that can affect educational pursuits.
  
  
• Mental Health and Wellness: College can be stressful, and many health plans include coverage for mental health services, including counseling and therapy, which can be invaluable for students.

Health Insurance Options for Students

• Parent’s Health Plan: Under the Affordable Care Act (ACA), young adults can stay on their parent's health insurance plan until they turn 26. This is often the simplest option for coverage, but students need to ensure that there are in-network providers near their college if they are studying out of state.
  
  
• Student Health Insurance Plans (SHIP): Many colleges and universities offer their own health insurance plans for students. These plans are tailored to the specific health care facilities available on campus and typically offer comprehensive coverage at a reasonable cost.
  
  
• Marketplace Plans: Students can also purchase health insurance through the ACA’s Health Insurance Marketplace. These plans are a good option for those who want more extensive coverage or live far from their parents’ in-network providers.
  
  
• Medicaid: Students with limited income may qualify for Medicaid, a federal and state program that provides health coverage to eligible individuals with low income. Eligibility varies by state, so it's important to check the specific criteria in your state of residence.

Considerations When Choosing a Plan

• Coverage Details: Understand what each plan covers, including preventive care, prescriptions, emergency services, and mental health care. Check for any exclusions or limitations that might affect you.
  
  
• Costs: Look beyond the premium costs and consider deductibles, copayments, and out-of-pocket maximums. A lower premium might mean higher out-of-pocket costs when you need care.
  
  
• Network of Providers: Ensure there are in-network providers near your campus. If you attend school in a different state from where your parents live, this is particularly important.
  
  
• Campus Health Facilities: If your school offers health services on campus, they might be a convenient and cost-effective option. Check how your insurance plan interacts with these services.

Staying Healthy in College

• Preventive Care: Take advantage of free preventive services like flu shots and regular check-ups.
  
  
• Healthy Lifestyle: Maintain a balanced diet, regular exercise, and sufficient sleep to support your overall health.
  
  
• Mental Health: Utilize resources such as counseling centers and stress management workshops available through your school.

Conclusion
Health insurance is a critical component of maintaining your health and wellness throughout your college years. By understanding your options and choosing a plan that fits your needs, you can protect yourself against high medical costs and stay focused on achieving your academic and personal goals. Whether through a parent’s plan, a SHIP, a marketplace option, or Medicaid, ensure that you have the necessary coverage to support your health and well-being during these pivotal years.

At Choice Enrollment, we strive to provide our customers with reasonable rates and comprehensive coverage. We will exceed your expectations to assist you with whatever you need. If you have any concerns or want a free quote from our agency, don't hesitate to contact us at (719) 581-5527 or CLICK HERE. 

Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​