- Traditionally, most group health plans have allowed dependent children to remain on the family policy until the age of 23 to 25 if the child is a full-time student.
- Some institutes of higher learning demand that their students have adequate health coverage to be enrolled and make the premiums a part of the student aid package. Other colleges offer health insurance at group rates through outside vendors they have developed a relationship.
- Short-term individual health policies can be purchased for students. Many of these policies are considered "catastrophic," only covering serious illness and injury, rather than general wellness and preventative medicine. While it may seem less expensive to buy a short-term policy, keep in mind that you will likely have to pay a new application fee each time you wish to extend the policy.
- Individuals are also permitted to purchase a long-term, open ended, health plan. This means that as long as you continue to pay the premium the coverage will continue.
- If you haven't found what you need by checking your parent's policy or what your school has to offer, go online for one of the dozens of websites that offer a quick quote, comparing many different companies and the coverage they offer. A private insurance agent will also be able to point you in the right direction and have a great deal of experience doing so.
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