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“Student health plan” refers to a special policy of health coverage that colleges and universities make available to their enrolled students. Typically the student plan is different from the employer-sponsored group coverage that colleges and universities offer their faculty and staff.
Generally, yes it does, if it is a fully insured plan. A fully insured plan is one that your college or university purchases from an insurance company. These plans are required to provide, without cost sharing, access to all FDA-approved contraceptive methods, sterilization procedures, patient education and counseling prescribed by a healthcare provider. Exceptions are made for religious institutions of higher education that have religious objections to providing contraceptive services. If you attend such a college or university, you will be able to seek contraceptive coverage at no cost directly from the health insurance company.
If your student health plan is a self-insured plan, it might not be required to cover contraceptive services. It’s up to states to regulate self-insured student health plans. Check with your college or university to find out what type of student health plan they offer, or check with your state insurance regulator to find out what rules apply to your student health coverage.
It does if it is a “fully insured” student health plan. A fully insured plan is one that your college or university purchases from a health insurance company. If your student plan is fully insured, it must cover essential health benefits, which include:
However, if the student health plan is “self-insured”, it might not be required to cover essential health benefits. It’s up to states to regulate self-insured student plans. Check with your college or university to find out what type of student health plan they offer, or check with your state insurance regulator to find out what rules apply to your student coverage.
Eligibility for a student health plan does not make you ineligible for Marketplace coverage and subsidies. Even if you are eligible for student health coverage, you can get coverage through the Marketplace. In addition, if your income is between 100% and 400% of the federal poverty level and you meet other requirements, you can qualify for premium tax credits; if your income is between 100% and 250% of the federal poverty level, you can also qualify for cost sharing reductions.
In addition, eligibility for a student health plan does not make you ineligible for Medicaid. Check with the Federal Marketplace to find out if you meet the income and other eligibility standards to enroll in Medicaid coverage.
If you are currently enrolled in a student health plan, you can still qualify for Marketplace policies and subsidies if you apply during Open Enrollment. During Open Enrollment, you can sign up for a Marketplace plan and, if your income is between 100% and 400% of the poverty level you can also apply for premium tax credits. You will have to drop your student health coverage by December 31, 2014 in order to remain eligible for premium tax credits in 2015.
Outside of Open Enrollment, you cannot voluntarily drop your student health plan coverage in order to qualify for Marketplace coverage and premium tax credits. However, if you involuntarily lose eligibility for student health plan coverage mid-year – for example, if you drop out of school and so lose eligibility for the student health plan – you will qualify for a special enrollment opportunity and be able to apply for Marketplace coverage and premium tax credits. The special enrollment opportunity will last 30 days, so be sure to contact the Marketplace promptly to notify them of your qualifying event.
In general, yes. There is no group exemption for international students to the individual responsibility to have health coverage. However, you might qualify for another exemption to the requirement.
I’m an American college student and I plan to study abroad next semester. Am I required to have U.S. health insurance while I’m living in another country.
Yes, unless you qualify for another exception. In general, U.S. citizens with a tax home outside the U.S. and who are residents of a foreign country for the entire taxable year are exempt from the requirement to have health insurance in the U.S. But if you are a student temporarily living abroad for part of the year, and don’t qualify for any other exceptions, you would be required to have health insurance or else pay a penalty.
Health plans that offer dependent coverage must cover dependents up to their 26th birthday.
Yes. Eligibility for student health coverage does not make you ineligible to be covered as a dependent on your parent’s policy up to the age of 26.
Generally yes. Eligibility for group health benefits through your own job does not make you ineligible to be covered as a dependent on your parent’s policy up to the age of 26. One exception to this rule applies to grandfathered group health plans. These are plans offered by employers that were established prior to March 23, 2010 and that have not significantly changed since that date. If your parent’s policy is a grandfathered group health plan, it can refuse to cover you as a dependent if you are eligible for health benefits through your own job. However, this exception ends in 2014 as the grandfathered plan year renews. You will have to ask your parent’s health benefits administrator to find out about grandfather status of the plan.
Yes. You are still eligible to be covered as a dependent. Your parent’s plan must offer you a special opportunity to re-enroll because you lost other coverage. That special enrollment opportunity must last at least 30 days from the date you lost other coverage.
No. You do not need to be a tax dependent of your parents to continue to be covered as a dependent on their health plan.
No, living in your parents’ home is not a requirement for eligibility to be covered as a dependent under their policy.
Yes, as long as you are younger than 26. Being married does not affect your eligibility to be covered as a dependent under your parent’s plan.
No. Your parent’s plan is not required to cover your spouse.
Your parent’s plan is required to cover your maternity care and delivery. However, after that, the plan is not required to cover your child as a dependent. You will be responsible for obtaining coverage for your baby. Depending on your income, your child may be eligible for coverage under the Medicaid/CHIP program in your state. Or, you can buy a child-only policy through the Marketplace and, depending on your income, you may be eligible for a premium tax credit to reduce your cost of that coverage.
You can remain covered as a dependent on your parent’s policy until you turn 26. Once you lose eligibility as a dependent, you will qualify for a special enrollment opportunity. At that point, you will also be able to apply for health coverage and assistance through the Marketplace, even though it won’t be during a regular Open Enrollment period.
If a plan covers children, they can be added or kept on the health insurance policy until they turn 26 years old.
Children can join or remain on a plan even if they are:
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