Hey all,
I'm an international student that will be attending a Masters program in the States this Fall. With regards my health insurance for myself and my two dependents, paying for the university health insurance program seems to me to be my only option. And it is expensive: an annual premium of $12,555 for the 3 of us, compared to $3,021 for me alone.
It is my understanding that as a non-US citizen I am ineligible for any Marketplace plans through healthcare.gov. I also am made ineligible through the resident requirement since we would move to the States only in September.
I've looked into premium travel insurance which is a lot cheaper than the university plan, but this won't cover doctors visits and more general health maintenance. This seems to me to be unwise with a 1-year old son. The travel insurance typically covers unplanned or emergency hospital visits, along with other non-health related benefits.
So this is a message to anyone that has been through this, can you perhaps recommend an alternative to the expensive university plans? Or are they my best option and I just need to factor that cost into my budget?