<p>My guess is that it must be a private med school.</p>
<p>When the full COA per year is around 80K, the school may think $4000 is just 5% of the COA so they may think the students may think this is just a small portion of the full cost of receiving this education.</p>
<p>There are more public med schools than private med schools. But many students just go to the school that admits them rather than “choose” their school. Sometimes, the only option for many students is to go out of state to attend a med school. (This is more likely if they are from a difficult state like California.) In the case, can such a student buy the health insurance policy from the state where his/her med school is at, rather than from his own state? I do not know.</p>
<p>We paid “full price” for D2 (age 19) via our state exchange last year. $130/month for a very reasonable plan. Cost us going up to $148/month this year, but it still WAY less than the $535/month we would have paid to keep her on COBRA. Remember that your kid now can’t be penalized for a pre-existing condition, and the plan can’t be cancelled because they get sick, so “open market” plans (either purchased via an exchange or directly from an insurance company) are a lot better deal than they were a few years ago.</p>
<p>I don’t understand hoew the school can specify gold or platinum. The only difference, supposedly, should be the cost of premiums versus deductibles and co-pays. Other than the networks offered the silver plans should be able to cover the same thing.</p>
<p>If he qualifies for a subsidy, he would have to do silver, so how does the school get around that? He is the right person to get a high deductible plan, young & healthy.</p>
<p>Maybe, but that still sounds very high for a private med school. Maybe it’s a DO school. That would seem more likely since those often don’t have undergrad students. </p>
<p>Undergrad colleges have pretty specific requirements for outside family insurance if one wants to waive the college health insurance. Why should med school – run by those same universities – be any different?</p>
<p>From a practical matter, the college/med school knows with certainty that their students have no jobs/no income. Thus, to want to avoid getting stuck with an unpaid bill, they prohibit high deductible plans. (It’s good business sense, actually.)</p>
<p>Ooops, right @3younguns, you must do a silver plan to get the cost sharing reductions of deductible and co-pay, so the maximum benefit for people below 250% FPL</p>
The full fare price tag at a private med school tends to be higher. So I guess the healthcare insurance offered by a private med school may be more expensive.</p>
<p>In addition to the concern about the cost of the healthcare insurance provided the school, another concern is whether it is an HMO-like or PPO- like policy. The latter may cost more.</p>
<p>Very relevant thread for me - DD1 is in her 3rd year in med school and will be 25 in a couple of months. She already was removed from our dental and vision plans and I have her on COBRA and inertia has kept me from researching that further. Dental coverage thus far hasn’t had any out of pocket, and her contacts cost a hundred something for a year with the insurance. Any ideas what these go for without COBRA? PA resident studying in NY.</p>