Student Insurance

No longer on your parent’s insurance or without an employer-based plan? We may be able to find you affordable coverage as low as $10/month. Insuraway offers you a variety of coverage options if you are uninsured and need coverage immediately.

The marketplace offers four types of plans, Bronze, Silver, Gold, and Platinum. Each tier offers different benefits, and typically the higher the metal category, the higher the cost. All coverage plans on the marketplace are required to adhere to certain criteria, including covering pre-existing conditions. In existing to covering pre-existing conditions, all plans must cover ten essential benefits including:

• Ambulatory patient services (outpatient care you get without being admitted to a hospital)
• Emergency services
• Hospitalization (like surgery and overnight stays)
• Pregnancy, maternity, and newborn care (both before and after birth)
• Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
• Prescription drugs
• Rehabilitative and habilitative services and devices (services and devices to help people with injuries, disabilities, or chronic conditions gain or recover mental and physical skills)
• Laboratory services
• Preventive and wellness services and chronic disease management
• Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)

Sometimes in life, your health insurance needs may be temporary. You may be waiting for your employer-based insurance to kick in or you are waiting for your ACA coverage to start. Short-term insurance can cover you from 1-12 months depending on your state, and allow you to pick exactly the coverage you need. In some situations, you can get coverage as soon as the next day after your application is filed. 

Short-term insurance was not meant to be a permanent solution and varies greatly from ACA plans. You should typically only consider short-term coverage if any of the following circumstances apply to you:

• You are unable to apply for coverage through the marketplace because you missed Open Enrollment and you don’t qualify for Special Enrollment
• You are waiting for your ACA coverage to start
• Looking for coverage to bridge you to Medicare
• Turning 26 and coming off your parent’s insurance
• Between jobs or waiting for benefits to begin at your new job
• Healthy and under 65

Unlike coverage from the marketplace, short-term plans are not required to have any specific benefits, instead, you purchase the plan that has exactly the coverage you need. Short-term coverage doesn’t cover pre-existing conditions as marketplace plans do, so your medical costs for any pre-existing illnesses or injuries will be fully out of pocket.