<p>A couple additional points. We bought our son a high deductible student policy as his ordinary care is OK at student health facility. Bought another separate policy to give discounts on RX and dental. He had wisdom teeth out and that helped cut cost 1/3. Keeping him on my employer health policy would have cost $350/month ( & no dental). Much less expensive with $1000 deductible and discount plan.
Be careful with high deductible HSA-eligible plans. You can set up an Health Savings Account ONLY if student is not a tax dependent (but you can still do the high deductible insurance).</p>
<p>Where is it good to get insurance when the student takes a semester off and can no longer be covered under the family plan?</p>
<ol>
<li>Check with your benefits manager if student can be covered under COBRA. 2. Check if his current coverage can be converted to invidual coverage. 3. Check with local insurance agents. 4. Go to <a href=“http://www.ehealthinsurance.com%5B/url%5D”>www.ehealthinsurance.com</a>.</li>
</ol>
<p>MomofFour—talk with your health insurance people as to whether your student CAN still be covered. By a fluke of dates, our son is covered, because one semester isn’t quite long enough to kick him off the policy (by about three weeks!)…</p>
<p>Costco provides a low-cost high-deductible plan in some states.</p>