insurance

As colleges and universities decide whether or not to reopen their campuses this fall, much of the discussion has focused on the ethics behind the decision and the associated health risks of in-person instruction. As a researcher who studies health insurance policy, I see two important gaps in this discussion: 1) Who should pay the cost of treating the inevitable COVID-19 cases that will occur; and 2) What do college students need to know about their coverage? Here are four things I think every college student – and those who care about them – should know about health insurance coverage when it comes to COVID-19. 1. Weigh coverage options If you’re covered under a student health insurance plan through your school, it may be worth considering whether that is still your best option. The Af...

The loss of 31 million jobs due to coronvirus has an added downside: 27 million have lost job-based health insurance. The worst may still lie ahead. One study estimated that 25 to 43 million people could lose coverage from their employer. The situation for many Americans feels dramatic. Fortunately, the limited U.S. safety net will be able to cushion some of the fallout for almost 80% through programs like Medicaid, the Children’s Health Insurance Program and the Affordable Care Act marketplaces. And, of course, all preexisting conditions are still required to be covered by all insurers. Yet millions will be left without coverage. As a professor of public policy, I believe there are four things you need to consider if you’ve been laid off, or if you didn’t have health insurance before th...