Individuals up to age 26 who are not eligible for group coverage are entitled to coverage on their parents’ plan. This can be a convenient option because all billing and claims are handled by your parents. However, if you attend school in a different state, your coverage levels may drop, and it may be more expensive than other coverage options.
Many schools offer insurance plans for full-time students. They tend to be relatively affordable and convenient as medical services are often available on campus. However, then the plan may not cover services you receive off-campus and may have limits in the coverage. This plan will also drop your coverage if you graduate or drop below full-time student status.
Full-time students ages 17-29 at a state-accredited college are eligible. One major advantage is that coverage travels with you if you go to school in a different state. However, it may be more expensive than individual health coverage or may not be available in your state.
Everyone is eligible to apply for this type of plan. Most states offer several affordable options with a range of benefits, and the biggest advantage is that you can keep this coverage after you graduate or drop credit hours. One downfall is that medical claims may not be paid at the highest level when at home if your family lives in another state.