Health Insurance for College Students & New Grads

Who is this for?

• Current college students who are off (or about to leave) a parent's plan
• Young adults aging out at 26 — triggers a 60-day Special Enrollment Period
• Recent grads job hunting with no employer benefits yet
• Gap-year, freelance, or 'figuring it out' year
• First-job hires at startups or contract roles that don't offer benefits

What's covered?

Every ACA-compliant plan we recommend includes the ten Essential Health Benefits — the stuff students actually use:

• Annual physical and preventive care (100% covered)
• Mental health and therapy
• Telehealth visits — see a doctor from your phone
• Prescription drug coverage (including birth control)
• Urgent care and emergency visits
• Maternity and newborn care
• Lab work and imaging
• Coverage that travels with you across state lines

How much will it cost me?

Premium tax credits are based on YOUR income — not your parents'. That's why students and new grads almost always qualify for serious subsidies. Below are typical post-subsidy monthly costs for a 22-year-old earning $25,000:

When can I enroll?

Open Enrollment runs November 1 – January 15. Outside of that window, a qualifying life event triggers a 60-day Special Enrollment Period:

• Turning 26 / aging off a parent's plan
• Graduating and losing student health coverage
• Moving for school or a new job
• Losing or changing jobs
• Getting married

Why Launch Coverage?

We specialize in first-time enrollees. We translate insurance into plain English, pull every subsidy you qualify for, and stay your dedicated agent for life. Our service is completely free — we're paid by the carriers, not by you.