CSU Health Insurance Education Project

Frequently Asked Questions

Q: I saw your presentation in my class. Can I get a copy to review or share with family and friends?
A: Of course! A copy of our presentation is available for download here. You will need Adobe Acrobat or a similar program that can open pdf files.

Q: What if I already have health insurance?
A: That's great that you have health insurance!

If you have employer-paid coverage and your current plan covers the essential benefits as required by law (provides at least baseline coverage), then you can continue as you are already.

If you have an individual health insurance plan, be sure that it covers the essential benefits. If you are eligible for financial assistance, you will probably find that insurance under Covered CA will cost you less than you are now paying.

Q: What about my CSU's student health center?
A: The student health center has an important role on CSU campuses and can also serve as a source of additional information. However, being able to go to the student health center is not the same has having health insurance, so you will still need to have health insurance under the new law. Insurance will give you coverage to speciality physicians and hospitals, both of which are outside the scope of your health center.

Q: Can you explain some of the Health Care terminology?
A: Here are definitions of some of the common terms used in comparing health insurance plans.

Subsidies are tax credits from the government to help reduce monthly insurance premiums; the lower your income, the higher the subsidy you receive. Subsidies are also available for cost-sharing expenses in the Silver benefit level.

Cost-sharing refers to the costs of your health care for which you will be responsible; these include deductibles and copayments.

Cost-sharing assistance will be provided in 2014 for individuals making less than $27,936 and families making less than $57,636 (for 4 people) to help further reduce the amount you have to pay out-of-pocket for care. Please check back for 2015 updates.

A premium is the fixed amount that you pay each month to the insurance company for your health insurance coverage.

A deductible is the amount you pay for medical care before your insurance policy kicks in and pays for health care services.

A copayment (or co-pay) is a fixed amount that you pay for a medical service at the time of care.