When you’re young and healthy it’s easy to overlook health insurance or imagine you don’t need it. But the fact is that without coverage even a minor injury can put you at serious financial risk.
College students face special challenges – and special opportunities – when it comes to getting covered. Going without is never a good option, and your school may require you to have some form of coverage. But should you stay on your parents’ health plan or enroll in a school-sponsored plan? What happens if you attend school in a different state? And what are your options after graduation? Use this guide to help you find the right match for your needs.
HEALTH REFORM UPDATE
Health reform legislation was signed into law March 23, 2010. New reforms make it safer and easier than ever to buy your own health insurance. Some key reforms for persons buying their own coverage include:
Starting in September, 2010:
• Added protection from rate increases
• Added protection from having insurance canceled
• Better coverage for preventive care
• No lifetime caps on benefits
Starting in January, 2014:
• Financial aid to help you buy your own insurance, if you qualify If you’ve been waiting for reform to pass, don’t wait anymore. Review your options online today, talk to a licensed agent if you have questions, and get the coverage you need.