International Educator - March/April 2013 - 58

58  

self-funded plans—like the one operated by
the University of California system—institutions provide insurance with their own
funds, rather than contract with an insurance company for coverage. They collect
premiums, invest them, and assume direct
risk for payment of claims.
In addition, the ACA allows international students—until they turn 26—to
be covered under the insurance plan of a
parent who can claim the student as a dependent. The problem, says Finch, is that
“we’ve seen people walk into U.S. universities with marginal notes on a Xeroxed piece
of paper saying they have health care, and
it’s not proof of coverage.”
HTH Worldwide writes health insurance policies for foreign students coming
to the United States. Gerry Schaafsma,
HTH’s chief investment officer, said until
it becomes clear whether the ACA affects
education abroad students, schools may de-

“That such uncertainty
remains nearly
two years after the
ACA was signed into law
is testament to how
complicated the law is,
and to how little
it says about
university students.”
fer to their state legislatures, or their own
judgment. In some cases, state laws, such
as in Washington state, don’t allow public schools to mandate medical coverage.
While the ACA supercedes these prohibitions for students studying in the United
States, schools may decide that state law
still applies to U.S. students abroad.
“If state lawmakers say you can’t mandate that someone has an insurance policy,
then some students might think that at public schools, they don’t have to have a policy
to go abroad,” he said.
That such uncertainty remains nearly
two years after the ACA was signed into
law is testament to how complicated the law
is, and to how little it says about university
students, Finch says.
“Were lawmakers thinking about international students?” asks Finch. “They
weren’t even thinking about regular students. I don’t think anyone thought through
how this would affect international students.”
IE
DANA WILKIE is a freelance writer in
Washington, D.C. Her last article for IE was
“Intimate Proximity: The Human Face of
Genocide” in the January/February 2013
issue.

SHUTTERSTOCK

INTERNATIONAL EDUCATOR M A R + A P R . 13

and, therefore, will be less expensive than
those subject to it.
“A school decides it doesn’t want to run
an insurance program any longer, but knows
20 percent of its student population is international “ Koster said. “You don’t want these
individuals on campus with no insurance.
It’s a liability.”
Insurer-offered plans for international
students that run month-to-month are exempt from the ACA [if the maximum period
of coverage is less than 12 months], Koster
says, because they’re deemed “short-term
limited duration” policies. They will still
be more expensive than what international
students were paying under college-administered plans, Koster said.
Haubenreiser say insurers are launching aggressive marketing campaigns aimed
at students. “These companies are telling
international students, ‘Here, buy this plan
versus your school plan, because it will be
less expensive,’” she says. The plan may be
less expensive, she says, but it is typically far
from comprehensive.
There are other ways around higher insurance costs for international scholars.
Some universities have self-funded plans
that aren’t subject to the ACA rules. Under

NAFSA published
Health Insurance and Health Care for
International Students and Scholars,
a practice resource in fall 2012.
View it online at
www.nafsa.org/KCISSShealth.


http://www.nafsa.org/KCISSShealth http://usac.unr.edu http://usac.unr.edu

International Educator - March/April 2013

Table of Contents for the Digital Edition of International Educator - March/April 2013

International Educator - March/April 2013
Contents
From the Editors
Front Lines
In Brief
Emerging Giant
Local Goes Global
Accelerating Global Learning at Home and Abroad
Foreign Student Affairs
Partnering
In Focus
Intenational Educator Language Supplement
Contents
New Tools of the Trade
Intensive English Language
Intensive Foreign Language
International Educator - March/April 2013 - International Educator - March/April 2013
International Educator - March/April 2013 - Cover2
International Educator - March/April 2013 - Contents
International Educator - March/April 2013 - From the Editors
International Educator - March/April 2013 - 3
International Educator - March/April 2013 - Front Lines
International Educator - March/April 2013 - 5
International Educator - March/April 2013 - 6
International Educator - March/April 2013 - 7
International Educator - March/April 2013 - 8
International Educator - March/April 2013 - 9
International Educator - March/April 2013 - In Brief
International Educator - March/April 2013 - 11
International Educator - March/April 2013 - 12
International Educator - March/April 2013 - 13
International Educator - March/April 2013 - 14
International Educator - March/April 2013 - 15
International Educator - March/April 2013 - 16
International Educator - March/April 2013 - 17
International Educator - March/April 2013 - 18
International Educator - March/April 2013 - 19
International Educator - March/April 2013 - 20
International Educator - March/April 2013 - 21
International Educator - March/April 2013 - Emerging Giant
International Educator - March/April 2013 - 23
International Educator - March/April 2013 - 24
International Educator - March/April 2013 - 25
International Educator - March/April 2013 - 26
International Educator - March/April 2013 - 27
International Educator - March/April 2013 - 28
International Educator - March/April 2013 - 29
International Educator - March/April 2013 - 30
International Educator - March/April 2013 - 31
International Educator - March/April 2013 - Local Goes Global
International Educator - March/April 2013 - 33
International Educator - March/April 2013 - 34
International Educator - March/April 2013 - 35
International Educator - March/April 2013 - 36
International Educator - March/April 2013 - 37
International Educator - March/April 2013 - 38
International Educator - March/April 2013 - 39
International Educator - March/April 2013 - 40
International Educator - March/April 2013 - 41
International Educator - March/April 2013 - 42
International Educator - March/April 2013 - 43
International Educator - March/April 2013 - Accelerating Global Learning at Home and Abroad
International Educator - March/April 2013 - 45
International Educator - March/April 2013 - 46
International Educator - March/April 2013 - 47
International Educator - March/April 2013 - 48
International Educator - March/April 2013 - 49
International Educator - March/April 2013 - 50
International Educator - March/April 2013 - 51
International Educator - March/April 2013 - 52
International Educator - March/April 2013 - 53
International Educator - March/April 2013 - Foreign Student Affairs
International Educator - March/April 2013 - 55
International Educator - March/April 2013 - 56
International Educator - March/April 2013 - 57
International Educator - March/April 2013 - 58
International Educator - March/April 2013 - 59
International Educator - March/April 2013 - Partnering
International Educator - March/April 2013 - 61
International Educator - March/April 2013 - 62
International Educator - March/April 2013 - 63
International Educator - March/April 2013 - In Focus
International Educator - March/April 2013 - Cover3
International Educator - March/April 2013 - Cover4
International Educator - March/April 2013 - Intenational Educator Language Supplement
International Educator - March/April 2013 - SCover
International Educator - March/April 2013 - Contents
International Educator - March/April 2013 - New Tools of the Trade
International Educator - March/April 2013 - S3
International Educator - March/April 2013 - S4
International Educator - March/April 2013 - S5
International Educator - March/April 2013 - S6
International Educator - March/April 2013 - S7
International Educator - March/April 2013 - S8
International Educator - March/April 2013 - S9
International Educator - March/April 2013 - S10
International Educator - March/April 2013 - S11
International Educator - March/April 2013 - S12
International Educator - March/April 2013 - S13
International Educator - March/April 2013 - S14
International Educator - March/April 2013 - S15
International Educator - March/April 2013 - Intensive English Language
International Educator - March/April 2013 - S17
International Educator - March/April 2013 - Intensive Foreign Language
International Educator - March/April 2013 - S19
International Educator - March/April 2013 - S20
International Educator - March/April 2013 - SCover3
International Educator - March/April 2013 - SCover4
https://www.nxtbook.com/nxtbooks/nafsa/ie_20191112
https://www.nxtbook.com/nxtbooks/nafsa/ie_20190910
https://www.nxtbook.com/nxtbooks/nafsa/ie_20190708
https://www.nxtbook.com/nxtbooks/nafsa/ie_20190506
https://www.nxtbook.com/nxtbooks/nafsa/ie_20190304
https://www.nxtbook.com/nxtbooks/nafsa/ie_20190102
https://www.nxtbook.com/nxtbooks/nafsa/ie_20181112
https://www.nxtbook.com/nxtbooks/nafsa/ie_20180708gfclone
https://www.nxtbook.com/nxtbooks/nafsa/ie_20180910
https://www.nxtbook.com/nxtbooks/nafsa/ie_20180708
https://www.nxtbook.com/nxtbooks/nafsa/ie_20180506
https://www.nxtbook.com/nxtbooks/nafsa/ie_20180304
https://www.nxtbook.com/nxtbooks/nafsa/ie_20180102_supp
https://www.nxtbook.com/nxtbooks/nafsa/ie_20180102
https://www.nxtbook.com/nxtbooks/nafsa/ie_20171112_supp
https://www.nxtbook.com/nxtbooks/nafsa/ie_20171112
https://www.nxtbook.com/nxtbooks/nafsa/ie_2070910_supp
https://www.nxtbook.com/nxtbooks/nafsa/ie_20170910
https://www.nxtbook.com/nxtbooks/nafsa/ie_20170708
https://www.nxtbook.com/nxtbooks/nafsa/ie_20170506
https://www.nxtbook.com/nxtbooks/nafsa/ie_20170304
https://www.nxtbook.com/nxtbooks/nafsa/ie_20170102
https://www.nxtbook.com/nxtbooks/nafsa/ie_20161112
https://www.nxtbook.com/nxtbooks/nafsa/ie_20160910
https://www.nxtbook.com/nxtbooks/nafsa/ie_20160708
https://www.nxtbook.com/nxtbooks/nafsa/ie_20160506
https://www.nxtbook.com/nxtbooks/nafsa/ie_20160304_fr
https://www.nxtbook.com/nxtbooks/nafsa/ie_20160304
https://www.nxtbook.com/nxtbooks/nafsa/ie_20160102
https://www.nxtbook.com/nxtbooks/nafsa/ie_20151112
https://www.nxtbook.com/nxtbooks/nafsa/ie_20150910
https://www.nxtbook.com/nxtbooks/nafsa/ie_20150708
https://www.nxtbook.com/nxtbooks/nafsa/ie_20150506
https://www.nxtbook.com/nxtbooks/nafsa/ie_20150304
https://www.nxtbook.com/nxtbooks/nafsa/ie_20150102
https://www.nxtbook.com/nxtbooks/nafsa/ie_20141112
https://www.nxtbook.com/nxtbooks/nafsa/ie_20140910
https://www.nxtbook.com/nxtbooks/nafsa/ie_20140708
https://www.nxtbook.com/nxtbooks/nafsa/ie_20140506
https://www.nxtbook.com/nxtbooks/nafsa/ie_20140304
https://www.nxtbook.com/nxtbooks/nafsa/ie_20140102
https://www.nxtbook.com/nxtbooks/nafsa/ie_20131112
https://www.nxtbook.com/nxtbooks/nafsa/ie_20130910
https://www.nxtbook.com/nxtbooks/nafsa/ie_20130708
https://www.nxtbook.com/nxtbooks/nafsa/ie_20130506
https://www.nxtbook.com/nxtbooks/nafsa/ie_20130304
https://www.nxtbook.com/nxtbooks/nafsa/ie_20130102
https://www.nxtbook.com/nxtbooks/nafsa/ie_20121112
https://www.nxtbook.com/nxtbooks/nafsa/ie_20120910
https://www.nxtbook.com/nxtbooks/nafsa/ie_20120708
https://www.nxtbook.com/nxtbooks/nafsa/ie_20120506
https://www.nxtbook.com/nxtbooks/nafsa/ie_20120304
https://www.nxtbook.com/nxtbooks/nafsa/ie_20120102
https://www.nxtbook.com/nxtbooks/nafsa/ie_20111112
https://www.nxtbook.com/nxtbooks/nafsa/ie_20110910
https://www.nxtbook.com/nxtbooks/nafsa/ie_20110708
https://www.nxtbook.com/nxtbooks/nafsa/ie_20110506
https://www.nxtbook.com/nxtbooks/nafsa/ie_20110304
https://www.nxtbook.com/nxtbooks/nafsa/ie_20110102
https://www.nxtbookmedia.com