Why Would I Need A Student Guaranteed Issue Health Plan?

Unlike most types of health insurance for students, guaranteed issue health insurance is open to everybody. You will not be rejected due to your health status, because these providers are legally required to write you a policy. Therefore, these plans are great for students who have one or more pre-existing conditions that could prevent them from buying standard coverage.

In most regards, a student guaranteed issue health plan is the same as other types of student health insurance; it offers similar coverage levels, and allows for both preventative and major health care. The main difference is that the student health insurance cost is slightly more expensive with these plans. Health insurance companies must earn a profit somehow, and they use higher premiums to do so if they aren’t allowed to cherry-pick the healthiest consumers.

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