Ever since Health Care Reform was passed, a lot of parents and teenagers have become confused about their health insurance options.  Whenever a national law goes into effect with a state-run program like health insurance, people have questions about how it affects them personally.  If you are looking for Arizona health insurance plans for teenager, college student or young adult, then you have a few options to choose from. 

State-run CHIP programs:  If you want your teenager to be covered by the Arizona KidsCare (CHIP) program, then you may want to get in line.  Funding for the program has been frozen since January 2010, but applications are still being accepted.  If your family is eligible, based on income requirements, your children will be added to a waiting list for this free or low-cost Arizona health insurance.  If funding is restored, the KidsCare office will contact eligible applicants starting with the oldest applications first.

College-sponsored healthcare:  Some colleges, including the University of Arizona, offer College Health Systems, which provides coverage for health-related expenses for current full-time students.  More information about this type of health insurance can be found by visiting the university’s website.

Student Health Insurance:  Most major insurance companies offer some kind of low-cost student health insurance, which are designed to cover healthy college-age students for basic preventive care services, doctor’s visits and hospitalization.  These affordable Arizona health insurance plans are great for students whose family is not covered by a group health insurance plan.

Parent’s Extended Group Benefits:  The best case scenario for most full-time students over the age of 18 comes from the Health Care Reform Act, commonly known as ObamaCare.  With this provision, full-time students can remain covered by their parent’s group plan until the age of 26.

Temporary Health Insurance:  If your teenager will become eligible for college sponsored or group health insurance soon, but is ineligible for any other Arizona health insurance, they can opt in for a temporary health insurance plan for up to six months. These plans, which are much more affordable than traditional PPOs and HMOs, usually come with a much higher deductible to cover catastrophic illnesses.

No matter which option you choose for your teenager, it helps to consult with an experienced Arizona health insurance broker.  Anderson Insurance Services can help you choose the right Arizona health insurance plan at the right price.  Contact them today for a free quote.