KcirDroffilc Posted January 9, 2017 Share Posted January 9, 2017 Hi everyone, What are you doing for health insurance as a student? I am starting PA school this upcoming May and my university does not offer health insurance to their students. I am too old to go on a parent's insurance. Sorry if this was already answered somewhere. Thank you. Link to comment Share on other sites More sharing options...
anewconvert Posted January 9, 2017 Share Posted January 9, 2017 www.healthcare.gov Your student loans don't count as income btw. Link to comment Share on other sites More sharing options...
dream2pa Posted January 11, 2017 Share Posted January 11, 2017 What other options do we have if Obama Care gets cancelled ? Link to comment Share on other sites More sharing options...
KcirDroffilc Posted January 11, 2017 Author Share Posted January 11, 2017 Dream2PA, that's a big concern of mine. I really don't want to get into the politics of it, but the repeal of the ACA seems to be a very real possibility. It's frustrating because there doesn't seem to be any real outline of a replacement plan. If the ACA gets repealed before I start school, I guess I'll either try for Medicaid or an individual plan through my insurance agent and finance it with loans. Link to comment Share on other sites More sharing options...
dream2pa Posted January 11, 2017 Share Posted January 11, 2017 Dream2PA, that's a big concern of mine. I really don't want to get into the politics of it, but the repeal of the ACA seems to be a very real possibility. It's frustrating because there doesn't seem to be any real outline of a replacement plan. If the ACA gets repealed before I start school, I guess I'll either try for Medicaid or an individual plan through my insurance agent and finance it with loans. :'( I finally got health insurance last year and for a very decent affordable rate. Just wanna cry in the corner :( Link to comment Share on other sites More sharing options...
anewconvert Posted January 12, 2017 Share Posted January 12, 2017 Dream2PA, that's a big concern of mine. I really don't want to get into the politics of it, but the repeal of the ACA seems to be a very real possibility. It's frustrating because there doesn't seem to be any real outline of a replacement plan. If the ACA gets repealed before I start school, I guess I'll either try for Medicaid or an individual plan through my insurance agent and finance it with loans. One year at a time. If you sign up for insurance now you will likely get a subsidy and odds are you will be able to carry that through until January 2018. Wait much longer and you won't be able to. Link to comment Share on other sites More sharing options...
Rhizopus Posted January 15, 2017 Share Posted January 15, 2017 It's likely whatever changes that do go in to effect will take years to rollout. I wouldn't stress about it. You can always shop around private insurance companies. You're also in school - with no income - you might qualify for medicaid Link to comment Share on other sites More sharing options...
gbrothers98 Posted January 16, 2017 Share Posted January 16, 2017 If you are a veteran, you can enroll for care at nearest VAMC. This will likely not extend to spouse or family. Sent from my iPad using Tapatalk Link to comment Share on other sites More sharing options...
Ccannon91 Posted January 19, 2017 Share Posted January 19, 2017 I have insurance through my work but will obviously be losing it when I leave for school. My school's insurance plan is outrageous. I will be going to school in MA but currently live in NC. Can I get insurance through the NC marketplace if I claim I still live at home at my parents address, and then move to MA (keeping my legal address in NC)? Isn't this essentially what all college students do if they travel do a different state for school? Link to comment Share on other sites More sharing options...
AliB Posted January 19, 2017 Share Posted January 19, 2017 I have insurance through my work but will obviously be losing it when I leave for school. My school's insurance plan is outrageous. I will be going to school in MA but currently live in NC. Can I get insurance through the NC marketplace if I claim I still live at home at my parents address, and then move to MA (keeping my legal address in NC)? Isn't this essentially what all college students do if they travel do a different state for school? You could ... but you might have a problem if you actually try to use it where you're going to school ... as in everything might be out-of-network and costly. The healthcare.gov counselor told me last year to use my school address rather than my permanent address in another state. However, I'm not under 26 and eligible to be on my parents insurance (if they were even living). Link to comment Share on other sites More sharing options...
anewconvert Posted January 20, 2017 Share Posted January 20, 2017 I have insurance through my work but will obviously be losing it when I leave for school. My school's insurance plan is outrageous. I will be going to school in MA but currently live in NC. Can I get insurance through the NC marketplace if I claim I still live at home at my parents address, and then move to MA (keeping my legal address in NC)? Isn't this essentially what all college students do if they travel do a different state for school? No bueno. If you ever needed it you'll be killed with the reduced benefits Link to comment Share on other sites More sharing options...
bluepillow Posted January 23, 2017 Share Posted January 23, 2017 Hoping to get on Medicaid or something. My school doesn't offer health insurance either and suggests students go on the healthcare marketplace to get insurance. Link to comment Share on other sites More sharing options...
anewconvert Posted January 25, 2017 Share Posted January 25, 2017 Hoping to get on Medicaid or something. My school doesn't offer health insurance either and suggests students go on the healthcare marketplace to get insurance. It's exceptionally unlikely you will qualify for Medicaid. Medicaid typically requires you have below a specific income AND have another qualifier such as chronic disease, blindness, be pregnant or disabled. Simply being broke is not sufficient to qualify. If it were there wouldn't have been such a problem with uninsured americans. Link to comment Share on other sites More sharing options...
jc90 Posted January 25, 2017 Share Posted January 25, 2017 I'm on Medicaid. I thought the insurance through my program was too high so I applied through the state. I can't imagine any student not qualifying as, if you aren't working (most PA students are not), you have an income of $0.00 since your student loans do not qualify as income. Important to keep in mind that I'm in NY as I know there are a few states who refused to go along with the Medicaid expansion (the majority of states DID expand Medicaid). Link to comment Share on other sites More sharing options...
aimyhtixela Posted January 25, 2017 Share Posted January 25, 2017 I have insurance through my work but will obviously be losing it when I leave for school. My school's insurance plan is outrageous. I will be going to school in MA but currently live in NC. Can I get insurance through the NC marketplace if I claim I still live at home at my parents address, and then move to MA (keeping my legal address in NC)? Isn't this essentially what all college students do if they travel do a different state for school? Student in MA here. You will qualify for Medicaid (MassHealth) as a full-time student with no income. Many of my classmates didn't purchase health insurance from our school. Link to comment Share on other sites More sharing options...
bluepillow Posted January 26, 2017 Share Posted January 26, 2017 It's exceptionally unlikely you will qualify for Medicaid. Medicaid typically requires you have below a specific income AND have another qualifier such as chronic disease, blindness, be pregnant or disabled. Simply being broke is not sufficient to qualify. If it were there wouldn't have been such a problem with uninsured americans. In NY all I need is to make below $16,395 as a single person, from what I've read. Link to comment Share on other sites More sharing options...
roger777 Posted January 29, 2017 Share Posted January 29, 2017 I'm on Indiana HIP 2.0 which is Medicaid. You even get an eye exam and pair of glasses every 2 years and some dental (incl. 1 RC/crown per yr). It went through surprisingly fast. Link to comment Share on other sites More sharing options...
bluepillow Posted January 30, 2017 Share Posted January 30, 2017 It appears to be very state-dependent. I hope everyone is able to find the coverage they need. Link to comment Share on other sites More sharing options...
nubienne Posted January 30, 2017 Share Posted January 30, 2017 Just FYI, for anyone that wants to enroll in the healthcare marketplace (Obamacare/ACA) - open enrollment ends tomorrow 1/31/17. Fill out the forms on healthcare.gov by then or you'll have to have a qualifying life event to be allowed to enroll. I was hoping my school would offer insurance but they didn't, but they told me to sign up in time and I found a plan, thank goodness. Because I'm still employed I make wayyyyyyy too much money to ever qualify for Medicaid. Maybe that will change next year after I've been in school and not worked for a while. Link to comment Share on other sites More sharing options...
Recommended Posts
Archived
This topic is now archived and is closed to further replies.