Help me choose between two health insurance policies? >_<

[cecilfirefox]

Help, DU'ers! :O

I'm buying my health insurance now that my current policy is expiring, per its expiration date. I checked the healthgcare.gov website, which works great for me now, and settled between one plan being offered there, and my universtiy's sponsored student health insurance plan.

The student health insurance plan through Nationwide Life Insurance company is here,

http://www.sas-mn.com/pdf/brochure/y107ks.pdf

And the exchange market plan I was eyeballing is a bronze one, here's the link to that plan,


http://www.coventryhealthcare.com/web/groups/public/@cvty_commonconten>
t/documents/webcontent/ks72335.pdf


For a frame of reference, I'm a 26 year old male, law student, no income outside of my biweekly 400 work checks and student loans.

I'd ask my father to help, but he mostly turns it into a complaining session about Obamacare. >_<

[frazzled]

1. Your link to the Bronze plan doesn't work

So it's impossible to compare. But the Student Health plan looks quite good. Remember, such plans for graduate students are much like subsidized employer plans, so probably a decent choice. It will only last as long as you're in school, however.

[cecilfirefox]

2. Sorry about the bronze broken link, I think you are right though- it is cheaper, at least. nt

[Hoyt]

3. I think poster above gave good advice. Plus under ACA, you will have chances to change

if your situation changes. Under old system, you might have been precluded from acqiring a policy when you leave school if you were to develop a health issue. Not anymore.

[nenagh]

4. Re the student plan, I don't understand paragraph two..

referring to the $500,000. limit.

I wish you well on your choice.

ps... Just noted the Student policy doesn't automatically renew.. Makes sense as it is a student policy.

But NB to remember.

I could have read the second paragraph incorrectly.