Health Care Costs Rise
Inernational students' insurance policies undergo change
Published: Wednesday, December 11, 2013
Updated: Wednesday, December 11, 2013 18:12
The passing of the Affordable Care Act has presented many changes on the national level. The Obama administration has set mandates for health care standards according to the new act.
On the state level, NDSU was required to make changes to its health insurance policy for international students. The new requirements under the Affordable Care Act include more benefits than before but have, in turn, caused the price of the policy to increase.
As of right now the estimated cost of the new policy from now until August 2014 is approximately $1,300.
For Girish Raj Uprety, a graduate student in geoscience, the change has been a source of financial worry.
“The massive increase in the premium has been a huge concern for us,” Uprety said via email. “It is a big hit, especially for international students like me because we don’t qualify for subsidies. I understand where they are coming from though.”
The cost of the student policies is due to the necessary addition of benefits that were not previously required.
“I like the security of the new policies that are in effect due to that Affordable Care Act,” Uperty said. “The coverage is definitely a good one and it feels good knowing that the loop holes are no longer there.”
The plan was chosen through a provider who had worked with student policies before. In comparison to many other providers, the newly selected plan offers the most affordability.
“I think the plan is too expensive, especially for international students. I don’t think it is affordable at all. I would like to have the option of choosing my own health insurance plan,” Uperty said. “I am young and I feel like I will be fine with a catastrophic plan under the Affordable Care Act. I personally would like to get my own health insurance through healthcare.gov. Unfortunately we don’t have that freedom at NDSU.”