Can Full Time Students Get Health Insurance?

  1. 11498 POINTS
    Jason Goldenzweig
    Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
    Yes. You can secure an individual health insurance policy on or off the exchanges during the open enrollment period. If you're under age 26, you can also stay on your parents health insurance.

    I hope the information is helpful - please feel free to contact me for assistance and if you have any questions. Thanks very much.
    Answered on July 22, 2014
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  2. 5527 POINTS
    Marlin McKelvy
    President, Consumer Directed Benefit Solutions, Memphis, Tennessee
    Yes, you can.  There is some chance the college/university you are attending offers a student health insurance plan though these are becoming increasingly rare because of their general inability to meet the requirements of ObamaCare.  If you are under age 26 you can still be covered as a dependent on your parent's group or individual health insurance policy.  You can apply for individual health insurance coverage either through a government health insurance marketplace or from an insurance broker and/or insurance carrier outside of the government marketplace (please note that depending upon your circumstances you may not be eligible to enroll for individual coverage until the next open enrollment period beginning November 15th for coverage effective January 1, 2015 at the earliest).  And finally, you may want to consider applying for a short term major medical insurance policy.  Short term medical policies do have a few underwriting questions, you can be declined for coverage and they do not cover pre-existing conditions.  These limitations aside, for a healthy young person a short term medical policy may be the most cost effective solution to protecting yourself against future accidents or illnesses.

    You would be well served to seek out an experienced health insurance broker to assist you in finding the best solution for your needs and budget.
    Answered on July 22, 2014
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