Adler University is committed to promoting the health and well-being of our students and community. To ensure every student is protected in accordance with U.S. law, all Adler students are required to have health insurance coverage. In Fall 2014, the University transitioned away from automatically enrolling students in a university-sponsored plan, empowering them to choose private health insurance options that best fit their needs. This change not only helps students manage costs but also allows them to take full advantage of new programs available through the Affordable Care Act.
Under the Affordable Care Act, students may have a variety of ways to access health insurance coverage as listed below. Visit Get Covered Illinois for more information on options and access to the Online Marketplace enrollment site.
- Coverage as a Dependent.
- Coverage through Medicaid.
- Coverage and Tax Credits through the Marketplace.
- Coverage under a Catastrophic Plan.
If you have a question that isn’t answered here, please don’t hesitate to contact us.
Additional resources:
Get Covered Connector helps connect people with a live person for FREE assistance and information about getting covered.
Young Invincibles has resources and information on insurance coverage that students may find useful.
Frequently asked questions
These frequently asked questions (FAQs) serve as a resource to address common inquiries regarding insurance for Adler students.
Frequently asked questions
These frequently asked questions s you financially but also helps you stay healthy so you can focus on completing your degree and reaching your academic and career goals.
Why do I need health insurance?
Beginning in 2014, the Affordable Care Act (ACA) introduced the individual mandate, requiring most U.S. residents to obtain health insurance or face a penalty. While the initial penalty is relatively low, it will increase over time. Having health insurance not only protects you financially but also helps you stay healthy so you can focus on completing your degree and reaching your academic and career goals.
What if I’m unable to afford it?
Investing in health insurance can actually save you money in the long run. Even if you’re healthy now, an unexpected accident or illness could result in significant costs. Depending on your income, you may be eligible for tax credits to reduce your expenses or even qualify for free coverage through Medicaid.
I don’t live in Illinois. Can I still use the services offered by Get Covered Illinois?
If you aren’t an Illinois resident, start your search for coverage outside Illinois on this federal website. Not all states have their own health insurance website so you may end up finding coverage directly through the federal website.
How much will insurance coverage from the marketplace cost?
The cost of insurance depends on various factors, including your age, household size, income, location, tobacco use, and the type of coverage you choose. You can get an estimate of your potential costs and see if you qualify for Medicaid or tax credits to offset expenses.
I can’t get the Marketplace website to work or don’t understand my options. Where can I go for help?
You can access the marketplace website to find a certified Healthcare Navigator in your area. Navigators have been trained to help consumers with the enrollment process and can explain your options to you.
I am an international student (F-1 Visa or Green Card), can I still get coverage?
As an international student in F-1 status you may use insurance from your home country or apply for insurance through the Marketplace, though the process may be challenging due to technical difficulties affecting those without a Social Security Number. You may also check with the Office of Student Affairs for additional international student insurance plans in which you can individually enroll. You are not eligible for Medicaid unless you have been in the U.S. for five years.
Legal permanent residents — Green Card holders — are eligible to enroll in insurance through the marketplace. You are not eligible for Medicaid unless you have been in the U.S. for five years.
I am an undocumented student, can I still get coverage?
Undocumented students are not eligible to use the Marketplace and are not subject to the individual mandate. Students who are undocumented remain eligible for emergency care under federal law and may seek non-emergency health services at free clinics, community health centers, and safety-net hospitals. Smart Policy Works is a consulting organization that provides support for health concerns for complex populations