Young Adults and Students

Does a student health plan count as Minimum Essential Coverage?

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Yes, most student health plans count as Minimum Essential Coverage. A few universities and colleges might have self-insured plans, meaning that they do not have to follow ACA guidelines. Universities and colleges with self-funded insurance coverage can apply to CMS to be treated as minimum essential coverage. Ask your college or university what type of coverage they offer to students.

While we have made every effort to provide accurate information in these FAQs, people should contact the health insurance Marketplace or Medicaid agency in their state for guidance on their specific circumstances.

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