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Affordable Care Act
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Affordable Care Act for the Student

Everyone MUST have health insurance by January, 1, 2014
Open Enrollment for ALL insurance starts October 1, 2013

Q. Do I have to purchase individual health insurance if I do not have insurance?
A.Yes. Everyone in the United States is required to have health insurance by January 1, 2014.

Q. How can I afford individual health insurance?
A. The government has a website with all the insurance costs for you to compare prices. The costs will depend on your lifestyle and the amount of insurance you need and can afford in all price ranges. All plans will include doctor visits, contraception, prescription benefits, preventative care, hospital and emergency care. We suggest visiting the California marketplace for insurance at Covered California.

Q. Do I need to pay the Health Service Fee on campus if I buy personal insurance?
A. Yes. For ACA purposes, a “student administrative health fee” is a fee charged by the college or university on a periodic basis to students of the college or university to offset the cost of providing healthcare through health clinics regardless of whether the students utilize the health clinics or enroll in a student health insurance plan.

Q. How do I know when I apply, if they will accept me?
A. You cannot be denied coverage for pre-existing conditions such as diabetes, high blood pressure, asthma, or even cancer and your coverage cannot be cut off or cancelled if you get sick.

Q. When do I need coverage by?
A. Everyone needs to have health insurance in place by January 1, 2014. Open enrollment begins on October 1, 2013. You can visit Covered California before to familiarize yourself with the process and answer any more questions you have. Below is a basic guideline for assistance with this process.

To ensure you are ready, follow these steps:

  • Connect – Starting October 1, 2013, you can go to the Health Insurance Marketplace or Covered California to review plans and select an insurance plan.
  • Compare – All plans are listed in one place, so you can make side-by-side comparisons. Every plan is required to cover benefits including doctor visits, hospital care, emergency care prescriptions, preventative care and more.
  • Choose – Select the plan that works for you and your lifestyle, then enroll.
  • Covered – Now you can rest easy knowing you are protected.

For more information and answers to many other frequently asked questions, please follow these links for students and the Affordable Care Act:

Affordable Care Act Frequently Asked Questions for Individual Coverage
Los Angeles Times

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Student Health Center webpage
Content Responsible: June Lee, RN, CNS, MSN - Coordinator, (415) 485-9458