Having health insurance is important, but getting it isn’t always easy.
The following is an overview of four health insurance options for domestic students.
1. Parent’s Insurance
- Most students can remain on their parent’s plan until the age of 26.
- Even after a student turns 18, gets a job, moves out or gets married, they can remain on the parents’ plan up to age 26 (in most cases).
- The cost to add a student to a parent’s plan is usually cheaper than a student getting a plan of their own.
If students attend school out of state or far away from home, it may be difficult to obtain in-network medical care. This means students may only be able to see a doctor for routine medical care when they are home during breaks.
- TIP: If attending school out of state or in a different county, check with your health insurance for their network services available in SF county.
- Kaiser SoCal members – call Kaiser Member Services number on the back of your Kaiser card and ask how to obtain a Northern California Kaiser ID number to use here in SF. You will not be denied medical services at Kaiser, but call and get your ID # now.
2. Through Work
- Most jobs include health insurance coverage. Check with your employer!
- Check with your employer about the type and details of their health insurance plan.
- Getting health insurance through work can provide the best coverage for the lowest price. Even when workers can obtain insurance coverage from other sources for a comparable price, the benefits are usually less.
- Most employers allow employees to choose their coverage, such as dental, vision or adding a dependent. But even with the cheapest options, working students might be better off getting coverage through a parent or spouse instead.
- Many students now qualify for free medical insurance through Medi-Cal.
- Your income must be under $16,104/year.
- You can apply for Medi-Cal year round. The entire process can take several months, so start now!!
How to apply:
- Online at mybenefitscalwin.org
- In person at several SFcounty offices and medical clinics (see chart below)
For more details about Medi-Cal, click here
4. Affordable Care Act (ACA) / Healthcare Marketplace
- Almost anyone will qualify for coverage through the ACA Marketplace.
- Sign up usually takes place during an open enrollment period. If a student misses this opportunity, they can sign up during a special enrollment period if they recently lost their health insurance coverage.
- Every plan offered through the Marketplace will provide minimum essential coverage.
- Buying health insurance through the ACA marketplace may qualify students for federal subsidies (tax credits) to help pay the monthly charges.
- To qualify for tax credits requires completion of paperwork to prove monthly income and other proof of a student’s current financial situation.
- If a student qualifies, then they choose the level of health insurance they want (Bronze (least expensive), Silver, Gold, and Platinum (most expensive)).
Click PDF file for Health Insurance Definitions
|California Black Chamber Foundation||1006 Webster Street, San Francisco, 94112||(415) 586-3686|
|Chinese Community Health Plan||Multiple locations||(877) 224-7808|
|Health Benefits Resource Center||2015 Forest Ave, San Jose, 95128||(408) 991-5860|
|Health Ways, Inc.||901 Campus Drive, Suite 209, Daly City, 94015||(650) 746-3316|
|Maxine Hall Health Center||1301 Pierce Street, San Francisco, 94115||(415) 292-1300|
|Mission Neighborhood Health Clinic||240 Shotwell Street, San Francisco, 94110||(415) 692-1515|
|North East Medical Services||Multiple locations||(415) 391-9686 ext. 8130|
|San Francisco General Hospital and Trauma Center||Multiple locations|
|San Mateo County Health System||Multiple locations|
|Seton Medical Center||1900 Sullivan Avenue, Daly City, 94015||(650) 991-5860|
|South of Market Health Center||229 7th Street, San Francisco, 94103||(415) 503-6077|
|470 Castro St, San Francisco, 94114||(415) 437-3446|
|1833 Filmore Street, 3rd Floor, San Francisco 94115||