Subsidies are based on your household income. While some students may qualify for subsidies with Cigna, not all college students will. Cigna’s comprehensive coverage offers more benefits for less money, making it our overall top choice. And, Cigna offers low-cost virtual care, allowing you to connect with a board-certified doctor via phone or video chat. All of Cigna’s plans include $0 preventative care, so you can get an annual checkup, flu shot, and health screenings without paying extra money. Bronze plans are the most affordable, while platinum plans have low deductibles but higher monthly premiums. If that’s the case, you could qualify for premium subsidies that make your plan more affordable.Ĭigna’s plans are divided by tiers, ranging from bronze to platinum policies. As a student, you likely don’t have much income. You may need to find a new healthcare providerĬigna plans, purchased through its website or, always cover pre-existing conditions, and as a college student, you may be eligible for subsidies that make insurance much more affordable. Subsidies may not be available if you’re a dependent These are our selections for the best insurance plans for college students To help you find the best insurance plan for your needs, we examined 17 health insurance options and companies and evaluated them based on plan cost, coverage options, and provider network.
But if you don’t have access to those types of policies, you can get coverage on your own. When you’re in college, you have multiple options to get health insurance, including coverage from your parents' plan or school-offered insurance. Without health insurance, you’re stuck covering the entire bill on your own.
The average cost to fix a broken leg is $7,500, while the average cost of a three-day hospital stay is a staggering $30,000. Young adults have the highest uninsured rate of any group in fact, about 30% of young adults don’t have insurance coverage, leaving them in jeopardy if they face medical bills.
But as a college student, it’s important that you have coverage in case of emergencies so you’re not saddled with more debt. When you’re young and in school, health insurance is the last of your worries. Read our advertiser disclosure for more info. We may receive compensation if you visit partners we recommend. We recommend the best products through an independent review process, and advertisers do not influence our picks.
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