Idaho State Board of Education
GOVERNING POLICIES AND PROCEDURES
SECTION: III. POSTSECONDARY AFFAIRS
SUBSECTION: P. STUDENTS
16. Student Health Insurance
The Board’s student health insurance policy is a minimum requirement. Each institution, at its discretion, may adopt policies and procedures more stringent than those provided herein.
a. Health Insurance Coverage Offered through the Institution
Each institution may provide the opportunity for students to purchase health insurance. Health insurance offered through the institution shall be Affordable Care Act (ACA) compliant.
b. Mandatory Student Health Insurance
Every full‐fee paying full‐time student (for purposes of federal financial aid) attending classes in Idaho shall be covered by an ACA compliant health insurance policy. Students without proof of health insurance coverage shall be ineligible to enroll full‐time at an institution. Each institution shall monitor and enforce student compliance with this policy.
- “ACA compliant” means a health insurance policy which meets the minimum coverage requirements classified by the ACA as “essential health benefits.” Essential health benefits include items and services within at least the following 10 general categories: ambulatory patient services; emergency services; hospitalization; maternity and newborn care; mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services and chronic disease management; and pediatric services (including oral and vision care).
- Proof of Insurance. All full‐time students shall provide proof of ACA compliant health insurance coverage. Proof of health insurance coverage shall include at least the following information: (1) Name of health insurance carrier (2) Policy number (3) Contact information for employer, insurance company or agent who can verify coverage (4) Attestation by the student, parent or guardian that health insurance policy is ACA complaint. Along with proof of insurance, students shall certify they will maintain active and continuous ACA compliant insurance coverage for the duration of their time enrolled as a full‐time student.
- Temporary Insurance Coverage. A full‐time student may have a non‐ACA compliant policy before registration for their first semester of attendance, but such a student shall sign an affidavit that they will enroll in ACA compliant insurance by the first health insurance exchange open‐enrollment period or the end of their first semester, whichever comes first. At no other time may a full-time student be enrolled without ACA compliant insurance.
- Non‐compliance. A student found to be out of compliance with this policy while enrolled at an institution, shall be ineligible for full‐time enrollment in future terms (fall, spring or summer) until insurance is obtained and proof thereof is certified; provided however, that if health insurance is offered through an Idaho State Board of Education institution and a student is found in noncompliance, the institution may default enroll the student into the institution’s student health insurance plan and charge the student’s account.