Health Insurance for College Kids As vast majorities of the adult population know, college is an amazing time of life. Unfortunately, it can also be incredibly stressful. A little stress can be a good thing: it helps you focus during your eleventh hour cramming, gets your adrenaline response in gear when a ten foot bear is coming after you, or when you crash your bike and your instincts kick in and you somehow manage to land like a ninja and not get hurt. While those are all well and good, the type of prolonged stress experienced day in and day out during your college years has a myriad of negative side effects. Many of these include, and are definitely not limited to: insomnia, memory problems, impaired judgment, loss of appetite, aches and pains, frequent colds and other illnesses, nausea, and many more.
Balancing Life In between studying for classes, getting to work, paying your tuition and rent, trying to exercise, maintaining your GPA, dating, and somehow keeping a social life alive, the last thing you really want to or have time to think about is your health care. But according to an insurance buyer’s guide from EHealthInsurance.com, “young adults are more likely to visit the emergency room than any other age groups.” That same guide also states that uninsured hospital trips or stays can cost thousands or even tens of thousands of dollars. Ouch. Not something you want to have to deal with in college. Tuition loans cause enough headaches without adding the worry of medical bills.
Handling Life Never fear, there is a multitude of ways to handle the uncertainty of what to do about finding term life insurance when you’re a college student even if you are in Reno Nevada. The easiest option for college student health insurance is to simply remain on your parents’ insurance. Often times it’s cheap and easy, especially when you have already been on it for a good part of your life. Other times, unfortunately, this is not always an option; you may move to a different state for school where your parents’ insurance cannot cover you, you may get married and a family plan may be required. Fortunately, most schools offer insurance and have clinics on-site to serve their students. If your university’s health plan seems too expensive for you, there are many options for individuals, which cost less than $60 a month- that is probably cheaper than your cell phone bill!
With Obamacare looming on the horizon, taking effect in 2014, everyone will be required to have healthcare. When considering college student health insurance, it’s important to do a needs audit of yourself and your situation and to fully evaluate the benefits offered by each plan. Many factors play should play into your decision: your physical fitness levels, diet, how well you handle stress, your overall workload, whether you might be getting married or even starting a family soon. Be sure to do your research and ask your school, parents and other trusted teachers or leaders for help in finding coverage that will best fit you and your lifestyle. Even minimal health insurance is better than no health insurance, especially when such insurance could mean the difference between starting your adult life bankrupt or comfortably, financially stable. If you aren’t going to focus on your health then you might as well find term life insurance from Reno, Nevada.