Things college graduates need to know about getting covered

June 9, 2015

Special enrollment period, life event: Graduation, GetCoveredAmerica

With graduation season upon us, graduates are busy thinking about their future plans. But often overlooked is making plans to get health insurance coverage.

Some tips to keep in mind when making decision about health coverage.

  • If you’re under 26, you may be able to stay on your parents’ plan. If your parents’ plan covers children, you can stay on or be added to their health insurance plan. You can stay on their plan even if you are married, not living at home with your parents, not financially dependent on them, or eligible to enroll in your employer’s plan.
  • If you can’t stay on your parents’ plan, graduating from college may qualify you for special enrollment. You do not have to wait for the enrollment period to begin in November to sign up for coverage. Special enrollment is available for 60 days from when you lose coverage.
  • If you are turning 26 and can’t stay in your parents’ plan, you also qualify for a special enrollment period.
  • Even if you are on a budget, there is a plan to fit your needs. This year, 87 percent of Texans who enrolled in a plan through the Marketplace received financial assistance to help pay their monthly premium.
  • If you don’t get health care coverage, you may have to pay a fine. The fine for not having coverage in 2015 is $325 per adult or 2 percent of your income – whichever is greater.
  • For more information, log into the Get Covered Connector at www.getcoveredamerica.org/connector.

 

 

 

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