We know that the government wants every citizen to have insurance. This will help them protect their things, health and even lives. Parents can include their kids to their coverage as long as they are not capable to work and under 26 years old. Conversely, not all youngsters under 30 have a high-paid salaries. This is a bit frustrating because everything now needs bills, especially students over 26 years old. So, is it possible for them to get insurance? Getting health insurance for college student is possible. Here are several good things you can try!
How To Get Health Insurance For College Students
Dependents Health Insurance
In certain countries, your parent’s health insurance also covers dependents under 26’s. To enroll you in this coverage, your parents can sign you up during a special period or at the yearly enrollment period. However, make sure that the company has this program.
Signing Up Health Plan In The School
Usually, many colleges also offer plans for the students. They will make the payout directly and group the payment with other education expenses. Even, some colleges still offer the health protection even though the students are not eligible for their parents’ insurance anymore. However, of course, this insurance will have limited coverage, so you should examine the health plan carefully.
Buying Catastrophic Coverage
Getting health insurance for unemployed college student is still possible by a sign in the catastrophic coverage that has lower premiums. If you are a student, having protection for an unexpected accident or disease will be very beneficial. However, be careful because sometimes you will not get the care until you are really sick.
Go Applying the Medicaid
If you are living in America, you are lucky. The low-income families can apply an insurance which is under the federal-state program for poor Americans. In the past, only pregnant women and kids got this facility, but now the government extends it. This coverage is available throughout the country with different regulations.
Of course, those programs have limited premiums and you should consider it very wisely looking at the health care law. If you don’t have any health coverage, you will get a penalty, which is usually 2,5% of the household income. You probably will get a double cost which the penalty can rise along with the inflation.
Hence, it is not a burden to get yourself fully covered. Nobody expects bad things at the future, but this kind of things will always have a chance to attack you even though you always try to avoid it. Most people think it is not important, until they realize that no one can predict the future.
After you work, later you can enroll a plan to protect you. There are many options that you can suit with your need. The most important is, buy plans you need the most. For example the travel insurance for whole year. This will help you save more money if you travel abroad very often. It includes insurance for your home. You will need it the most when you are away.