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Best Insurance Options for College Students in 2022

You know you have grown when your concerns change from where to eat to where to invest, and your google history shifts from best clubs away from home to best auto insurance for college students away from home.

Being a college student is itself stressful. And adding the insurance option seems like a topic that would easily bounce over our heads. So, to make your life easier, here are all the essential Insurance plans you need to be aware of while considering the Best Insurance Options for Students.

Making decisions related to insurance is an important aspect of your life. So before you move on with your final decision, look at all the key aspects and clear all your doubts. Only then will you identify the best insurance plans suitable for you.

So any plans or strategies brewed up yet? No! Don’t worry; we are here to load off your burden by presenting you with all the best insurance plans for students as per their demands.

What are the Best Insurance Options for College Students?

Becoming a college student is an important aspect of life. It is when you start taking control of your decision and become responsible for your actions. And choosing the right insurance plan is the most significant decision you have to tackle. So to be prepared for future emergencies, look at these Best insurance options available for College students.

5 Best Health Insurance for College Students in 2022

  • Parent Insurance Plans

The most basic insurance option college students use is the extended parent Insurance Plan. If you are under 26, you can easily access your parent’s insurance by accessing- The Parent’s Health insurance plan. 

Can college students use their parent’s health insurance?” The answer is, “Yes! Under the Affordable Care Act, young adults and college students can stay on their parent’s health insurance until they turn 26. Other factors like Marital status, financial status, and housing status do not affect the condition. 

There are many perks of staying on your parent’s insurance. From getting access to comprehensive coverage to having monetary benefits, parent’s insurance coverage is always a good Insurance option for College Students. 

  • Best Overall Insurance Option for College Students CIGNA

If you are a student looking for the best insurance options for Students, then Cigna is your one-stop destination. Cigna is known for its optimum coverage cost and ACA financial assistance. 

Let’s take a look at its Pros and Cons

PROS

  • Free preventative care.
  • Low-cost virtual care.
  • Comprehensive coverage options.
  • Students can also be qualified for premium subsidies.

CONS

  • Some students might not get qualified for subsidies
  • Subsidies may not be available if you’re a dependent

Plans Offered

  1. Bronze Plans
  2. Platinum Plans
  3. HMO Plans
  4. PPO Plans

3. Best Low Income Insurance Option for College Students AETNA

Are you looking for a low-income student insurance plan? Well, Aetna has you covered. Being a college student- money is an important issue. That is why Aetna, known for its catastrophic plans and low-cost emergencies coverage, will serve as the best option for health insurance for college students.

Let’s take a look at its Pros and Cons

PROS

  • Financial Aid in medical emergencies.
  • Low-cost premiums.
  • No cost preventive coverages are available.

CONS

  • Absent in some states.
  • High monthly deductibles.

Catastrophic plans are smart and hassle-free options that can come in handy in emergencies.

4. Best Short-Term Insurance Coverage for College Students EVEREST

If you are a college student and are looking for the Best short-term insurance options for Students, then Everest is exactly what you are looking for. You are not restricted by a fixed network provider or constrained to wellness benefit preventive care with Everest. 

Let’s take a look at its Pros and Cons

PROS

  • Availability of Multiple Coverage Period.
  • Low-copay and coinsurance options.
  • Added Free-look period.

CONS

  • Absent in some states.
  • No prescription drug coverage.
  • Pre-existing conditions are excluded.

Everest offers many customizable options that can be edited as per the student’s needs. For ex-, a Student insurance plan can vary with deductibles ranging from $1,000 to $10,000 and a copay between $40 and $50,

5. Best International Insurance Option for College Students IMG

Are you looking for the best student insurance plan for international students? Well, IMG has you covered. Being an international student, there are many additional responsibilities you need to take care of. IMG, which is known for its multiple plan options, high maximum limits, and the ability to opt for a low deductible, will serve as the best option for health insurance for international college students.

Let’s take a look at its Pros and Cons

PROS

  • Provides Prescription drug coverage.
  • Maternity Coverage.
  • Mental Health Coverage.
  • Plans have maximum limits as high as $8 million.

CONS

  • Doesn’t always comply with J1 and J2 visa requirements
  • Added Waiting periods for pre-existing conditions.

If you are an international student studying in the US, tackling the correct health insurance should be your priority. As medical care could cost you heavily and damage your financial status, access to high-rated health insurance options for students can be your only savior. So, make your choice wisely.

This is all the information you need to be aware of while deciding on the best insurance options for Students in the US. Depending on your needs, prioritize your demands and choose which insurance option suits you.

I hope all your doubts regarding the best insurance options for students are cleared. Stay connected for further insights.

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