Your browser doesn't support the features required to view this flowchart, so you are presented with a simplified version of this presentation.

For the best experience please use the latest Chrome, Safari or Firefox browser.

As a new grad, you'll be experiencing a lot of changes and that may include your health insurance. Luckily, you've got options! Which type of plan is right for you?

Let's Try It!

The recommendations of this chart are for illustrative purposes and should not be used as insurance advice. For specific insurance advice related to your personal situation, please consult a licensed insurance professional.

I got it.

I am under 26.

Yes No

I have the option of getting coverage by joining my parent’s health insurance plan.

Yes No

Joining my parent’s health insurance plan

This is likely your best and cheapest option for now. Be sure to consult a licensed insurance professional if you have any questions.

Do you have a job with benefits, including health insurance, lined up?

Yes No

Your employer’s plan

Your employer’s plan is likely your best option, however, some employer plans may take a month or so to kick in after your official start date. If this is the case with your plan, consider Short-Term Medical Insurance for temporary coverage during that time.
Short Term Medical Insurance

Are you looking for a job with benefits and will have one soon?

Yes No

Short-Term Medical

Consider a temporary plan while you search. Short-Term Medical Insurance can provide temporary coverage for up to 5-11 months, depending on the state where you reside.

Short Term Medical Insurance

Will you be attending grad school in the fall?

Yes No

Does your school offer a student health insurance plan?

Yes No

Your school’s student health insurance plan

Your school’s student health insurance plan is likely your best bet. Will you be covered over the summer? Consider Short-Term Medical Insurance for temporary coverage during that time.
Short Term Medical Insurance

Have you recently experienced a life changing event? (Graduating college, loss of coverage from a parents health plan, job loss, marriage, moving, birth of a child, etc)

Yes No

Individual health insurance plan

Consider enrolling in a permanent, individual health insurance plan. Plans are available through the Marketplace or a helpful search site, like HealthPocket.
Individual Health Insurance

The open enrollment period for qualifying individual health plans has ended. Since you haven't recently experienced a life changing event, which may allow you to purchase coverage under a special enrollment period, you may want to consider temporary coverage with Short Term Medical Insurance until the next open enrollment period.

Short Term Medical Insurance