Skip to main content

Affordable Care Act Students Health Coverage

Illustration of a car in the road

Affordable Care Act Students Health Coverage

Once you turn 19, you’re responsible for your own healthcare, and while you may still be enjoying the benefits of your family’s healthcare, you probably have quite a few questions. How can I sign up for healthcare under the ACA? Are prescription drugs covered by Affordable Care Act? We have the answers to all of those questions and more.

If you have one of the following, you meet the minimum coverage requirements:

  • A plan purchased individually or on the marketplace
  • Any employer plan
  • Medicare Part A or Part B
  • Most Medi-Cal insurance
  • The Children’s Health Insurance Program or “CHIP”
  • Most individual insurance
  • Coverage under a parent’s insurance plan
  • University coverage offered by your school
  • Health Coverage for Peace Corps volunteers
  • Select types of veterans’ health coverage
  • State high-risk pools
  • Refugee assistance

Can a Student Receive Coverage Under Their Parents’ Health Plan?

Not all insurance plans extend to children, but if your parents have purchased coverage that includes children, you’re eligible for coverage for longer than you might think. Until a student’s 26th birthday, they can enjoy many of the benefits of their parents’ healthcare plan, even if they:

Why Do People Choose

  • Get married
  • Move away from home
  • Start school
  • Are eligible for their employer’s healthcare coverage
  • Are no longer claimed as a dependent on their parent’s taxes

Note that if you are a student on your parents’ Covered California plan, you must be claimed as a dependent. If you are not claimed as a dependent, you can apply separately if you are 19 or older.

Of course, for a student to enjoy any of these benefits, they have to know whether or not they were on their parents’ plan to begin with. Not all plans cover children, but if your parents’ coverage doesn’t extend to you, there’s no reason to panic. There are many options available through Covered California.

Can Students Get a Penalty for Not Having Health Insurance?

If you miss out on the state exchange’s Open Enrollment Period, there are still a few options to explore, but if you fail to purchase some form of coverage, you’ll likely end up paying a fine. Fines for lacking insurance are 2.5% of your yearly income or $695 per adult and are expected to be even higher in the coming years. However, if you make less than $10,000 per year, it is the Affordable Care Act policy’s to not apply any fines. You also might qualify for Medi-Cal.

How Do I Apply for Affordable Care Act?

Get a free health insurance quote today, don’t wait any longer!