6 things college students should know about health insurance

Faith Castro
November 8, 2017

Briner said he has not seen a change in how people utilize hospitals due to their high deductibles, but "when it comes to how we bill and collect, sometimes those patients might not be able to make those payments or need to set up a payment plan that stretches out for a longer period of time", making it harder for the hospital to collect payments for services.

Part of the problem is that many young, healthy people don't even think about the need for health coverage, unless they are reminded or are otherwise motivated.

Premiums have increased significantly.

Most people get subsidies, and those subsidies go up dollar for dollar.

"If I lose my health insurance, I don't know if I can survive four years waiting around for a new president to take office", says Joan Fanwick, a college student with a life-threatening autoimmune disorder called Sjogren's Syndrome, in Seventeen.

Enrollment figures for the current year show the lure of the no-cost bronze plans. "I voted for Obama but didn't expect that he would place the burden on my back to finance health insurance for so many others".

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Blue Cross Blue Shield of North Dakota, the sole Obamacare insurer in most of North Dakota, increased online advertising for 2018, while traditional TV and radio advertising remained about flat, spokeswoman Andrea Dinneen said. Only 4 percent of people can define common insurance terms like "deductible", "co-pay", "coinsurance", and "out-of-pocket maximum". This is a critical time to educate our friends and neighbors about the options that are available to them on HealthCare.gov. That's a higher satisfaction ranking than any other source of help. They're often able to find better deals than consumers would have found on their own. And because premium subsidies are based on the price of the second-lowest-cost silver plan, subsidies are going up, too. Plus, agents and brokers generally don't charge for advice. The enrollment period is shorter this year.

Despite what you may have heard about what has been happening in Washington, the Affordable Care Act remains the law of the land, and with open enrollment for plans covering 2018 now underway, I want to make sure that everyone has the information and resources they need to get health coverage.

Enrollments on another state-run exchange, Maryland Health Connection, were up even more - by 70 percent - on opening day.

There have been many attempts to repeal and replace the Affordable Care Act, and there continues to be a huge amount of preliminary discussion about what changes should be made.

According to Out2Enroll, lesbian, gay, bisexual, transgender and queer people who are low- and middle-income have seen their uninsured rate drop 35 percent after Obamacare. That will help stabilize the individual market and reduce future premium spikes. Following the health-care debate this year - all that uncertainty, all those proposed cuts - had been exhausting. They can ensure they make the right choice by calling in some professional help. Individuals can find a qualified agent by visiting www.nahu.org, a National Association of Health Underwriters website.

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