The Affordable Care Act: Health Insurance Information for Students

The Affordable Care Act (ACA) creates new health insurance options for students. Most Harvard students already participate in the Harvard University Student Health Program (HUSHP) -- which meets all ACA requirements.

If you consider one of the new ACA plans, be sure that you make an informed decision. You will need comparable coverage to begin by February 1, 2015 in order to waive enrollment in HUSHP. Some important things to consider are:

  • Access to doctors in the Cambridge/Boston area
  • Benefits and coverage
  • Out-of-pocket costs
  • Coverage while traveling (in the U.S. and abroad)


Massachusetts and Federal Health Insurance Information

Massachusetts Health Connector

Other Resources to Help You Make an Informed Decision

The Affordable Care Act: Options for Students
Learn more about insurance options available to students under the Affordable Care Act.

Health Insurance FAQs
Click for a list of common questions and answers regarding the Affordable Care Act, HUSHP, the Massachusetts Health Connector, and

Sample Health Plan Comparison Chart
Use this chart to learn about some of the important coverage options you should consider when comparing health insurance plans. Please note that premiums can vary dramatically and the chart does net include all factors that you should consider when selecting health insurance coverage. Learn more about HUSHP coverage and benefits or visit or for detailed information about your insurance options.

Sample Costs for a Knee Injury
This chart compares the potential costs for treating a knee injury depending on your insurance coverage, and is for illustrative purposes only. Consult your insurance plan for information about your specific coverage.

Insurance Terms and Definitions
Click for a list of common insurance terms and definitions, including coinsurance, copayments, and deductibles.