Turning 26, starting a master's, med or vet school, or finishing a PhD on a stipend with no health benefits? We help students find affordable coverage that actually works, not just the bare minimum.
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Whether you're in undergrad, a master's or PhD program, or medical, dental, vet or law school, we compare plans that balance cost against the coverage you actually need.
Coverage ending at 26, or after you graduate? We line up your options ahead of time so there's no gap in between.
Plans that balance monthly cost against the coverage you actually need at this stage of life, no paying for extras you won't use.
Virtual doctor visits from home, plus coverage for the routine checkups and prescriptions that come up day to day.
Every program has its own schedule, school plan and waiver rules. Here's what we check first for each.
Schools set a deadline to waive their plan, often early in the term. Miss it and you may be billed for the school plan.
Student plans end on a set date. Losing coverage generally opens a special enrollment period of about 60 days, so start before the date.
If a rotation or externship is out of state, check whether your plan's network works there before you leave.
Some school plans run the whole academic year and some don't. Check the end date so you're not uninsured in July.
Straight answers to what people ask us most.
When you turn 26, you typically age off a parent's plan and need your own coverage. Aging off usually opens a 60-day Special Enrollment Period, so you can sign up outside the normal open-enrollment window. Your main options are an ACA Marketplace plan or a private plan, and we compare both so you don't end up with a gap.
Often, yes. Many universities require students to carry some form of health coverage, and they enroll you in the school plan automatically unless you waive it with proof of other insurance. The school plan can be expensive and may have a limited network, which matters if you live, train, or see doctors away from campus. An outside plan can cost less and include the doctors you actually use. We help you compare your options and check that a plan meets your school's waiver requirements before you decide.
Often, yes. Most schools let you waive their plan if you show proof of comparable coverage by their deadline. Requirements differ by school, so we check yours before you decide.
Part-time and online students often aren't eligible for the school plan, so you may need your own coverage. We compare Marketplace and private plans for your situation.
It depends on the plan's network. We check how each plan handles care away from home so you know before you go.
Tell us about your program and budget, and we'll bring back real options.
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