Health Care for a College Student

When you go off to college, it's important to think about your health care. If something were to happen and you do not have health coverage, it could cause you serious financial trouble. There are options available for you to avoid this problem.

Parents' Coverage

• If you previously were covered under your parents' health care plan, you should be able to keep that coverage while you're in college, as long as you remain a full-time student and are between age 18 and 24. Have your parents check if you are still eligible for coverage.

Your Own Coverage

• You may want to seek out your own health care coverage. Many companies have low-cost solutions for students and individuals who are not covered through employment.

On-Campus Health Care

• Most campuses have a low-cost clinic on site. This is a good place to go if you get a minor injury or infection, a cold or flu. Some campus clinics charge based on income, and you will not have to pay very much, if anything.

Low-Cost or Free Clinics

• The town where your campus is located may have a low-cost or free clinic available. If you have children, you also may qualify for Medicaid or other government assistance.

Employment

• If you are going to school part-time, consider working full-time, if you can manage it, for a company that offers health care to its employees. Some companies offer benefits to part-time employees.