3 Questions: How new health care plans affect college students?

1. How will the new health care plans affect full time college students WITHOUT jobs?

2. If they are Dependents, will their parents have to hold the extra costs?

3. If so, what if the parents don’t have jobs now because of this economy?

Please only give unbiased answers that are based on facts and proof; such as a link to an unbiased source. Thank you!

I’m assuming you are referring to the national health care debate…

Depends. Mandates for coverage is dependent on state/local laws and college policy. Since the proposal will develop an option to be covered by the federal government, unemployed college students may choose to be covered by their parents, by themselves, or through their college. The college may even decide to pick up the plan.

If covered by parents, nothing really changes in regards to affordability compared to other family plans on the market EXCEPT for subsidies for qualified families within the given income bracket.

If parents do not have jobs, but did have the coverage prior to losing their jobs, then COBRA would kick in, in which the parents would pay the full, employment-based premium (unless eligible for Medicaid or Social Security Disability). It looks like there is a low income gap for those people not eligible for Medicaid/Social Security; however, parents without COBRA could still get the federal insurance plan.