Now the federal government seems to want to plug this hole.
A positive decision to provide greater protection for next year's 3 million students who may fall under these guidelines. But probably compromise in the form of higher prices.
Earlier this month, the U.S. Department of Health standards and services that the student insurance health plans offered by colleges and universities have substantially the same standards of protection as the Federal Act of 2010 describes the health care affordable. Student plans were originally exempt from the act of exploration as a specific niche of people for relatively short periods, according to health experts.
The proposed change of three key service areas of insurance plans for students and also to specify certain conditions.
Under the proposed rules, the first in the foundation could not run in the university curriculum, sponsored in January:
• Exclude students in 19 years, according to pre-existing conditions such as attention deficit disorders or diabetes.
• Reduced coverage, because a sick child. It would also allow students to avoid inadvertent errors in insurance applications, such as punishing a forgotten past visit to the doctor's degree or a disease, "said Keith Mendonsa, a specialist in the health of consumers with eHealthInsurance. Com, a online resource for new policies and information.
• The limits on annual benefits or life. annual caps would be at least $ 100,000 to the plans by September 2012 has begun, and no less than $ 2,000,000 thereafter. Many students have plans to limit the value much lower.
"The government's aim to compensate for the way people are treated in the new world" of health care, said John Desser, vice president of public policy eHealthInsurance.com.
The vast majority of today's students returned to offer a plan for better health care employer, if they need medical help, or buy individual policies. But more than 1,500 colleges and universities contract with insurance companies to health plans, which often provide limited coverage and benefits, but offer lower prices.
Some insurance companies said the regulatory reforms that he believed would increase costs and jeopardize the ability of some schools offer health insurance.
This is the Health and Social Services Department, whose public comments on proposed amendments to 12 April will be heavy. A final decision could be issued this year.
Whatever the outcome, students and parents should keep an eye on their options for coverage of the university-sponsored support. If a study showed in 2009 that there were up to 30 percent of health plans 'bad' performance, as many plans are very good for the money. For students of consumers who "know the bottom line, what they buy," says Mendonsa.
By STEVE ROSEN
The Kansas City Star
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