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Students may be required to have health plans
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Forcing students to get health insurance will simply force the students living on the edge to drop our of school.
It would be lovely if students had access to good, inexpensive health insurance, but the idea that making them buy it will magically solve the problem is ridiculous.
I couldnt afford the health insurance at the U, it was too expensive (with reason, less than 20% of students participate).
My cousins go to college in Ogden and contantly try to recruit me due to the "free" insurance they get at their school. I'm guessing its not free but that they pay for it in their tuition costs. They probably dont notice the cost because it would be significantly lower with 100% participation.
I was able to opt out of my employers insurance program and instead take home the $800 they would have spent on it. Wouldn't most people do the same if they had a choice?
Employers shouldn't be in the insurance business anyway. It's the result of a failed tax policy.
I'd rather have an HSA (health savings account) but I can't do that with the current laws because I have to have an insurance policy first. So I just pay as I go, and use what I need, and I'm fine with it. Even without tax benefits, it's a lot cheaper than the alternative.
The only way you will bring health care costs under control is to get rid of the $10 copay policies and replace them with $5k deductible ones, so people can be responsible about their use of services and its costs. And provide a policy that covers what I want to have coverage for, not what the feds mandate that the insurance company has to cover.
That translates into - Add healthy people who don't need medical care or prescription drugs. Make them pay a monthly premium for services they will most likely never need. That money will go straight into our pockets for a new vacation home or maybe a new Mercedes.
It's a business, people. Insurance companies are there to make money just like any other business. And this is their latest money-making plan.
Having said that, many friends of my three children who are college students certainly know how to game the system in the area of maternity benefits. Some have purposefully boasted about consciously making the decision not to privately insure themselves because they can qualify for medicaid coverage to pay for maternity care. Once their baby is born, they get private coverage.
College students make up a large percentage of the child-bearing population and maternity costs are enormous. This is especially true if there are complications and something is wrong with the baby. If the parents don't have insurance, neither does the baby. Then who foots the bill for the baby's medical costs? And, since the baby is born with the condition and isn't insured at the time, it is a pre-existing condition that will preclude the baby from getting insurance coverage for as he/she grows up.
Given this, I'm not so sure it is a bad idea to require college students to carry medical insurance.
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