A parent's plan covers a student to 26, but its network may stop at the state line. The four choices for out-of-state students, and what each one costs.
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Short answer: a student can stay on a parent’s plan until 26, but if that plan is an HMO or EPO from home, the doctors near campus are covered only in an emergency. The student can instead apply in the school’s state, use a school plan, or have a private plan on the UnitedHealthcare or PHCS PPO network, which works in both states.
A strep test at a campus-area clinic, a sports injury, a counselor: on a home-state HMO or EPO those are out of network. Look up two or three providers near the school in your plan’s directory before you rely on it.
Easiest, and fine if it is a PPO with providers near campus.
HealthCare.gov lets a student apply where they go to school.
Built around campus; check what it covers over the summer.
Works at home and at school. It asks health questions and is not ACA coverage.
Age 21 in Michigan, before health questions. The private plan covers less than an ACA plan and asks about your health; the marketplace price is before any tax credit.
Want one plan that works where you are?
Send your ZIP code. A licensed agent prices your home state’s plans and the private plans on a national PPO network side by side. Free, no obligation.
See my options →“I don’t know why I was paying so much for my BCBS plan. I wasn’t even using it, maybe because the brand has such a big network, but now I pay half as much and I don’t have a deductible.”
The insurance company pays the agent, never you, and the premium is the same either way.
One licensed agent, NPN #22052447, who sells marketplace and private plans, so you hear about both.
Your ZIP code is the only thing needed to see what is available where you live.
Up to age 26, yes, but if the plan is an HMO or EPO it covers the other state only in emergencies. A PPO pays part of out-of-network care.
Yes. HealthCare.gov lets a student apply for coverage in the state where they go to school.
Often the parent’s plan, if its network reaches the school. If not, compare a school-state marketplace plan, the school plan and a private plan.
General information, not a quote or an offer of coverage. Private plans are medically underwritten: they ask health questions, can decline or exclude a condition, are not ACA coverage and get no tax credit. Daniel Griffin, licensed independent agent, NPN #22052447, is not tied to any single carrier and not affiliated with the U.S. government.
Send the ZIP where you live most of the year. A licensed agent compares your home state’s plans with private plans on a national PPO network and tells you which fits. It costs nothing, and you deal with a licensed agent, not a call center.
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Enter the ZIP where you live most of the year. A licensed agent compares your home state’s plans with private plans on a national PPO network that works in every state.
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“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”