Keeping health insurance coverage while you are a student can be difficult, especially if you are over 26 years old and do not qualify to stay covered with your parent’s health insurance plan.  However, you do have options for health insurance while you are a student.

1.  Check for University Health Insurance Plans:  Many universities offer health insurance plans for students to use while they are attending the university.  Many times these plans are affordable because there are many students on the health plan.  Check with your university to learn about the plans and costs.

2.  COBRA Insurance with your Parent’s Plan:  Many students are now aware that they can sign up to continue their health insurance plan with COBRA for up to 36 months once they become ineligible for their parent’s plan.  With COBRA, you can keep that plan for up to 36 months, at the full cost of the premium.

3.  Short Term Insurance Coverage:  If you believe you will get a job with health insurance upon graduation, short term health insurance for the duration of your schooling, may be the most affordable option.  The coverage will be limited but will cover emergencies in most cases.

4.  Private Health Insurance Plan:  Your last option is to look for a health insurance plan from a private company.   Always get multiple quotes and compare lots of plans when doing this to make sure you get the best price for your money.