New York Student Health Insurance Options

If you’re heading off to a college or university in the Empire State, have you made plans for health insurance? Maybe you’re wondering why you need insurance if you’re young and healthy. But even as a student, it’s important to understand your choices for health insurance in New York. Learn more about available options and how to enroll.

What to Consider When Searching for Student Health Coverage in New York

Here are the key factors for students in New York:

• Are you a resident? In-state students may find it easier to remain on their parents’ plan.
• Dependent status? If claimed as a dependent, you can stay on your parents’ plan until age 26. If you’re turning 26 soon, you may want to find your health insurance coverage.
• Stay on parents’ plan or get your own? Staying may save money, but you only qualify for ACA subsidies if you buy your own.
• Cost vs coverage tradeoff? Choose a plan that fits your expected healthcare needs—more benefits usually mean higher premiums.
• Skip insurance? Risky—lack of coverage could result in overwhelming medical bills.

How Do You Get Covered Under Your Parents’ Plan?

If you’re under 26, you can stay on your parents’ plan—whether you’re studying in-state or out-of-state.

• Be sure to check if local doctors or hospitals are in-network to avoid high out-of-pocket costs.
• Enrollment rules:
  • ACA Marketplace plans: Dependents can be added during Open Enrollment or a Special Enrollment Period.
  • Employer-sponsored plans: Similar rules apply through the employer’s designated periods.

How Do You Get Covered Through Your School in New York?

Many schools require students to have health insurance and may offer plans that meet minimum coverage standards.

Examples:

• New York University (NYU): Automatically enrolls most students in its Student Health Insurance Plan, which includes services through its Student Health Center and a national network.
• Columbia University: Requires comprehensive coverage and offers the Columbia Plan through Aetna Student Health.
• Cornell University: Requires all students to have quality health insurance and offers SHP and SHP+ plans through Aetna Student Health.

ACA Health Plans in New York

The Affordable Care Act allows individuals and families to buy health insurance through the New York State of Health Marketplace. ACA plans offer:

• Essential health benefits
• Free preventive care
• Coverage for preexisting conditions

You may qualify for financial assistance. Check your eligibility using our ACA Subsidy Calculator.

Metal Tier Breakdown:

• Bronze: Low premiums, higher out-of-pocket costs
• Silver: Balanced cost; qualifies for cost-sharing reductions
• Gold: Higher premiums, lower out-of-pocket costs
• Platinum: Highest premiums, lowest costs; availability may vary

Medicaid or CHIP in New York

Medicaid provides free or low-cost coverage to eligible individuals.

• New York’s expanded Medicaid and Essential Plan cover adults with incomes up to 200% of the federal poverty level.
• Children and teens under 19 may qualify for Child Health Plus (CHIP).

Apply via:

• New York State of Health
• Local Department of Social Services

Other Options for Coverage in New York

1. Short-Term Health Insurance

Short-term health insurance is not available in New York.

2. Supplemental Health Plans

Supplemental insurance covers gaps left by primary plans. Options include accident, critical illness, and hospital indemnity policies.

3. Dental and Vision Insurance Plans

Affordable bundles help cover cleanings, glasses, exams, and braces. Great for budget-conscious students.

4. Health Care Sharing Ministry Programs

Faith-based programs offer a low-cost alternative to insurance. Not regulated like traditional plans.

5. Fixed Benefit Medical Insurance

Fixed benefit plans pay set amounts per medical service. Helpful for budget control and deductible-free coverage.

Understanding Health Insurance Costs

Key terms:

• Premium: Monthly plan payment
• Deductible: What you pay before insurance kicks in
• Copay: Fixed fee per visit or service
• Coinsurance: Percentage shared with insurer after deductible
• Out-of-Pocket Maximum: Your total annual cost cap
• In-Network vs. Out-of-Network: Stay in-network for lower rates

Use this health insurance glossary to learn more.

Next Steps

If you’ve decided you need health insurance, compare plans and sign up before your semester begins. Evaluate coverage levels, premiums, and provider networks to make the best choice for your health—and your wallet.