Will You Stay on Your Parents’ Plan or Enroll in Your Own Plan? If you decide to buy your own Marketplace plan and your parents claim you as a dependent, you won’t qualify for premium subsidies. In either case, check with the insurer to see if it’s contracted with providers near your school. Whether you choose an in-state or out-of-state school, your parents can cover you through their Marketplace plan or job-based plan (if it covers dependents). Will You Attend School In-State or Out-of-State? What to Consider When Searching for Student Health Coverage in New York? Many colleges and universities offer healthcare plans to students. Job-based health plan: If you’re working, you may get insurance through your employer.
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Medicaid or the Children’s Health Insurance Program (CHIP): Based on your age and income, you may be eligible for no- or low-cost health coverage through Medicaid, Child Health Plus (CHIP) or the Essential Plan.Health Insurance Marketplace plans: You can apply for a plan that meets Affordable Care Act (ACA) requirements through your state’s Marketplace.Through your parents’ health plan: If you’re under 26 (or possibly 29), you can stay on your parents’ plan.Through your school: Many colleges offer affordable plans for students, either their own or through insurance companies.There are multiple things to consider when looking for health insurance in New York.
Search Now What Are the Health Insurance Options for New York Students?
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