Changes in Big Health Insurance for 2013 College Grads

With all the fuss about the new policy, open enrollment period, the subsidies given by government and the necessity to have a health cover has created new choices and issues at the same time for the new college grads.

Some of the choices they make are; Mom & Dad’s plan, individually purchased coverage, short-term coverage, etc., but there is a whole new lot of options coming on for them.

How will health insurance options of today change for graduates when the last big provisions of the health reform law come into effect from January?

Here’s How!

Mom & Dad’s health insurance plan – A parent health insurance plan is best for you if you are thinking of moving back to your parent’s place, and you are looking for quality coverage or employer-based coverage is not available at the moment. With the help of the Affordable Care Act (ACA) now a person graduating from college can stay insured under his parent’s health insurance plan till the age of 26. This is a very nice option for some of the graduates. But there are negative sides of this, like increased premium for the parents, or if you are not in the state then it is not possible to get the assistance of network doctor at the time of requirement. So these are the things that can hamper the benefits of your coverage.

In 2014: You will be treated as a holder of a health plan with your parents till the time you turn 26, but after that you are supposed to purchase a health cover of your own, in order to fit in the requirements of ACA.

Traditional individual health insurance plan -if you are looking for quality coverage and do not have an option of employer-based coverage at the moment, or you have an ambition of being financially independent, then you should go for a traditional major health insurance plan for yourself. A person with good health has many good and affordable options to choose from.You can get the best for you by getting the best information about your plan from an online marketplace. It is to be kept in mind that this is possible to decline coverage based on pre-existing conditions until 2014

 

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