Health Insurance for Domestic Students
Recent graduate needing insurance? Have you recently lost insurance or are you temporarily without coverage? We will assist in finding the right plan for you. Please review the Short-Term and Individual Health Insurance plans below or call our Student Support team at (877) 247-8817.
Health Insurance for F-1 International Students
F-1 International students should obtain health insurance directly through Elmhurst University. For more information, please visit Elmhurst University Health Insurance for F-1 International Students.
F-1 international students are required to hold health insurance during identified terms while completing their studies at Elmhurst University. Students are automatically enrolled in the school sponsored plan offered by ISO* when enrolled in courses or living on-campus for the duration of their academic program in the U.S.
The insurance requirement is in place for all international students in the Fall and Spring semesters, as well as required for any student that is either enrolled in courses or living on-campus during Summer semesters.
Effective January 1, 2025 the State of Illinois no longer allows Illinois residents to enroll in short term insurance plans. If your permanent residence is outside of Illinois, you may be able to enroll in a short term insurance plan.
Why choose Pivot Health Medical Short-Term Medical Insurance Plans?
Pivot Health Short-term medical (STM) insurance plans provide medical coverage for a limited period to help pay for medical expenses. This flexible medical expense plan is designed to help address gaps in medical coverage created by temporary situations. If you’re in a time of transition or looking for next day coverage, consider a short-term medical plan. Available to anyone including students who do not have access to a student health plan, part-time employees, and family members. You have a choice of short-term plans offering access to the Cigna PPO network or plans which have an All Provider Access.
*This coverage is not required to comply with certain federal market requirements for medical insurance, principally those contained in the Affordable Care Act. Be sure to check your Policy/Certificate carefully to make sure you are aware of any exclusions or limitations regarding coverage of preexisting conditions or health benefits (such as hospitalization, emergency services, maternity care, preventative care, prescription drugs, and mental health and substance use disorder services.)
Click here for a quote and to enroll in a Short-Term Health Insurance plan.
Individual Health Insurance – Illinois residents
ILLINOIS RESIDENTS ONLY!
Open enrollment is November 1 – January 15 (Enroll by December 15 for the plan to start January 1)
To enroll in health insurance during the open enrollment period please visit GetCovered Illinois. Get Covered Illinois is the state’s official health insurance marketplace where Illinoisans can shop for, compare and enroll in high-quality health insurance vetted by the state. Get Covered Illinois is the only place you can apply for and receive tax credits to help cover the cost of your coverage. Once at the website, you can review information about obtaining coverage, what to do if you lost Medicaid coverage, and explore if you qualify for tax credits to lower the cost of your coverage.
Plans cover:
- Pre-existing conditions are covered
- Meets all requirements of the Affordable Care Act
- Preventative Care such as vaccines, screenings and routine exams covered at no cost
How to enroll
If you need assistance creating your GetCovered Illinois account, please contact GetCovered Illinois at 866-311-1119
- Go to GetCovered Illinois to see if you qualify to enroll in a plan
- At the top of the website click the yellow “Enroll” button
- Click the third option that says “Login in or create account”
- If you haven’t already created an account on the GetCovered website, click “Register Now”
- You will be directed to a page that says “Set up your GetCovered Illinois account”. Thoroughly complete all of the information
- Once the account is created click “continue” to login to your account
- You may need to confirm contact information
- Click “Go to Dashboard”
- Now you are ready to “start the application”
- There will be a “Verify your Identity” disclaimer. Once you have read the disclaimer, click “Get Started”
- When creating your account, please make sure to enter all the information accurately, including your Social Security Number. There will be a verification step, and accurate information will make the process simpler
- Once you have confirmed all information, click “save & continue”
- Your screen will say “Help Applying for Coverage”
- Select the second option – I am being assisted by a certified professional (broker or assister)
- Just under that option, there is a link that says “licensed broker or assister”. Click the link
- On the “Get Free Help” page, select “Find a Certified Broker Near You”
- Under “Search by Name Enter “Debra Gaetano“, which will then show as HUB International. By entering this information, we can assist you with selecting a plan that best suits your needs and ensure you have completed the information accurately.
- Click on the name Debra Gaetano, which is a hyperlink
- Click the “Select Broker” button
- Complete and sign the Broker Designation page and click “confirm”
- Click “close”
- This will then take you to your application. Click “Save and Continue”
- You are now starting the application process and need to respond to all questions
- On the “About Your Household” page, you will need to select if you are seeking coverage and add any additional household members seeking coverage
- Confirm the information on the summary page
- On the “Get Ready” page, you will need information for everyone in your “tax household” which includes anyone you file taxes with or anyone who claims you on their taxes. Note, it is important that this information be accurate to avoid tax penalties at the end of the year. When calculating the Annual Income, it is for the year you are applying for coverage and must include the total income for everyone listed on your tax return. If someone else claims you on their taxes, their income and the income of all people they file on their tax return needs to be included
- Complete the “Personal Information”
- When you are asked “income information” it is referring to the estimated 2026 income for anyone included on the tax household.
- When you get to the “Final Review” page, verify that all information is correct. If it did not previously require you to verify your identity, it may ask you to do so now
- You will now be able to complete the Sign and Submit page. Once completed, click “Submit Application”
- You will now see your 2026 Eligibility Summary. At the bottom click “Go to Dashboard”
- You can now “Shop for Plans”
- We recommend you only enroll in health insurance (we recommend enrolling in dental and vision directly through Elmhurst University)
- Once you have created an account and selected your broker, feel free to contact our Support Team at 877-247-8877 or send us an email.
Questions? Call us at (877) 247-8817
Individual Health Insurance – Non Illinois residents
Open enrollment for ACA plans is November 1 – January 15.
You may qualify for a Special Enrollment Period to enroll outside of this window if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child.
*If you qualify for a Special Enrollment Period, you usually have up to 60 days following the event to enroll in a plan.
- Pre-existing conditions are covered
- Meets all requirements of the Affordable Care Act
- Preventative Care such as vaccines, screenings and routine exams covered at no cost
Click here for a quote and to enroll in an Individual Health Insurance plan.
Questions? Call us at (877) 247-8817