Information about Health Insurance
The number of college age students without health insurance is increasing nationally and here at IU South Bend. From surveys done at the Health and Wellness Center at least 40% of our students do not have health insurance. Medical bills are the number one cause of bankruptcy in United States. It's a LAW! The Affordable Care Act puts consumers back in charge of their health care. Under the new law, a new "Patient's Bill of Rights" gives the American people the stability and flexibility they need to make informed choices about their health!
Many college age students assume that because they are young they don’t need health insurance and that they can’t afford it. If you choose not to buy it, you must pay a fee called the individual shared responsibilty payment. (The fee is sometimes called the "penalty," "fine," or "individual mandate."
For these reasons the Health and Wellness Center highly recommends that you consider applying for health insurance.
The Healthy Indiana Plan (or "HIP 2.0") is an affordable health insurance program from the State of Indiana for uninsured adult Hoosiers. The Healthy Indiana Plan pays for medical expenses and providers incentives for members to be more health conscious. The Healthy Indiana Plan provides coverage for qualified low-income Hoosiers ages 19 to 64, who are interested in participating in a low-cost, consumer-driven health care program. Hoosiers with incomes of up to $16,436.81 annually for an individual, $22,246.25 for a couple or $33, 865.13 for a family of four are generally eligible to participate in the Healthy Indiana Plan. If you have any questions, or to find out if you may be eligible to participate in the Healthy Indiana Plan, please call 1-877-GET-HIP-9 (1-877-438-4479) or visit www.in.gov/fssa/hip Need help? Navigators are here to assist you with the process to apply for your health insurance. You may work with a navigator in any county in Indiana. Visit this link to find a certified navigator closest to you: www.in.gov/healthcarereform/2468.htm
Healthcare.gov is the online Health Insurance Marketplace application where people can get quotes and apply for insurance. Depending on the level of coverage, prices can be as low as $56 per month. Open Enrollment for the Marketplace will continue until December 15, 2015.
You can find more information on both of these insurance programs by looking at the web sites below. You can also pick up written information at Health and Wellness. Our staff can also help you make decisions regarding health insurance.