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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.

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Health insurance for NY graduate student

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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: My daughter began a Grad Assistant position on the campus of Columbia University. The position begins now and runs throughout the school year. She will be living on the Campus as a full-time student and living in a dorm. Her permanent address is in PA with us. She only needs insurance coverage from July 1 until Sept 30 because my employer coverage kicks in as of October 1st . Can I purchase short term health insurance using the PA address since that is her permanent legal address or am I forced to use a NY address ( her dorm) and thereby limit her short term options?

A: Use the Pennsylvania address because you will find a better range of choices with better pricing. Consider "Simple STM" or similar product choices listed at


More resources:

Short term medical insurance in New York