Options of health insurance for college students

Options of health insurance for college students

Going to college is synonymous to becoming an adult. Now you will be responsible for your own life and have to take a number of important decisions. One such decision is that of a health insurance. In college you are going to be completely on your own. Though it might seem improbable to you that you will need a health insurance, it is nevertheless a good idea to have one. Sickness, injuries or even big accidents always come without warning. Since you will be on your own in college, having a health insurance is important to ensure a quick and effective treatment when you need it, without burdening your finances. There is no reason to panic, if you have not thought about it. Given below are some options of health insurance for college students, which they can opt for and be secure.

Sign up with your college health insurance

Colleges too realize the importance of having health insurance for college students. Hence, there are many such colleges that have their own health plans the students can sign up with. This method is a beneficial one for the students. Not only does the college take up the entire responsibility of the health insurance, the students do not even have to worry about the premiums. The premium amount in such colleges is often included in the overall fees charged by the college. So, your student loan will be able to cover your insurance premium too. But on the flip side, these plans often give limited coverage. So, the students should check that first.

Stay on your parent’s health insurance plan

If you are a student of under 26 year age, then you will be eligible to remain on your parent’s health insurance plan. This is a very convenient option of health insurance for college students, as you will not have to bear any hassle for it. You do have to ensure, however, that the insurance provider has branches, in case you are going off to a college in a separate state. It is important to go through every detail with the health insurance provider before you decide to stay on with this insurance plan.

Get your individual insurance

If you do not have the option of continuing on your parents’ health insurance plan and your college does not provide a health plan either, then the best thing to do is to buy an individual health insurance for yourself. Individual health plans are indeed more expensive, and you will have to go through a health evaluation first; but it is still better than having no insurance. Contact a reliable insurance broker and purchase the best health insurance for college students that you can find.

Apply for state health insurance

If you cannot afford the expense of a private health insurance, then applying for a state health insurance program is a good idea. Check if it provides the kind of coverage you are looking for. This would be a good option of health insurance for college students.

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Sagar is co-founder and CTO at Multia, a leading creative agency in Pune. He started his venture when he was 16, he has won numerous international and national web development competitions and has worked on 100+ web, mobile and online marketing projects. He’s a globe-trotter and has traveled to San Francisco, Paris, Amsterdam, Berlin, Dubai, Jakarta and Bali Islands.
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