College life isn’t always associated with the best of health practices. Between socializing, studying, and the occasional all night cram session, for most college students their health is an afterthought. Still, when it comes down to it, like everyone else, students and their parents want to pay a fair and reasonable price for healthcare that works for them, instead of the other way around.

With the implementation of the Affordable Care Act’s major provisions just around the corner on Jan. 1, 2014, there are more options than ever for students’ health insurance.

Let’s examine some of these options.

Mom and Dad: Healthcare Providers

Believe it or not, it’s been three years since one of the ACA’s landmark provisions became law. This provision has so far done the most to increase insurance coverage for the country as a whole. It allows children to stay on their parent’s healthcare plan, until the age of 26, even if they have a pre-existing condition.

For parents weighing the costs and benefits of student health insurance plans, this is by and large the best options for their child’s health insurance. It saves time, money, and resources during college and those crucial post-college years where your child is getting financially situated in the world.

As your child nears the age of 26 though, the ACA will give them plenty of options for solid, affordable health insurance at a good price.

SHP’s: The Benefits of College Life

SHP stands for Student Health Plan, and most accredited colleges and universities have them. SHP’s are healthcare plans offered to students at reduced rates until graduation.

SHP’s have benefitted millions of U.S. students by offering them healthcare, often in conjunction with extensive on-campus health facilities.

Medical services related to pre-existing conditions are normally not covered under SHP’s. However, with the ACA, these plans will have to cover such medical services, as well as a host of other health services mandated by the ACA, such as emergency medical treatment, prescription drug coverage, and coverage for mental health.

The Affordable Care Act will be fully implemented in January of next year, and it looks like students will be all the better because of it.

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