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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

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Finding student health insurance

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: I want to buy health insurance for my nephew who is a college student in Pennsylvania. The insurance will be a gift. How do I find prices and sign him up?

A: This time of year between Thanksgiving and Christmas has become a popular time for college students to enroll in their own health insurance policy. Some families now realize that the college-sponsored health plan they signed up for in September is OK for bumps and bruises but does not offer adequate protection for more serious medical risks. Parents who left their college-bound children on their employer-sponsored health insurance plan now realize that the network of medical providers does not extend into the college town. Not many students, we suspect, receive health insurance as a Christmas gift. The most popular insurance plans for students are the short term medical policies listed at They are taken on a semester by semester (6 month) basis. Payment can be for the whole six months or month-by-month. More tips are included in the article listed below.


More resources:

Student Medical Insurance Tips