QUESTION

I’m eligible for the student health plan but haven’t signed up yet. Do I have to enroll in that plan or can I apply for coverage and subsidies in the marketplace?

Individuals with coverage | Issues For Young Adults: Student Health Plans and Coverage on Parent’s Health Plans
ANSWER

Eligibility for a student health plan does not make you ineligible for marketplace coverage and subsidies. Even if you are eligible for student health coverage, you can get coverage through the marketplace. In addition, if your income is between 100 percent and 400 percent of the federal poverty level and you meet other requirements, you can qualify for premium tax credits; if your income is between 100 percent and 250 percent of the federal poverty level, you can also qualify for cost-sharing reductions. See Other Resources for more information on the federal poverty level for individuals and families.

In addition, eligibility for a student health plan does not make you ineligible for Medicaid. Check with your state to find out if you meet the income and other eligibility standards to enroll in Medicaid coverage. (26 U.S.C. § 36B; 42 U.S.C. § 18071).

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