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Frequently Asked Questions for Student Employees

The federal Patient Protection and Affordable Care Act (“PPACA”) requires that nearly all individuals (who are above the threshold for filing income tax) must obtain health insurance for themselves and any of their dependent family members. The following plans will satisfy this individual responsibility requirement:

  • Student Health Insurance plan offered based on student enrollment, which include:
    • UIC: Campus Care
    • UIUC: UnitedHealthcare
    • UIS: Academic Health Plans
  • State of Illinois health insurance plans offered through the Department of Central Management Services (“CMS”) based on University employment.

The following types of health insurance coverage will also satisfy the individual responsibility requirement as long as the insurance qualifies as "minimum essential coverage" under PPACA (contact the plan directly to find out if it qualifies):

  • Health insurance provided by a parent/guardian, spouse, or other family member who claims you as a dependent
  • Another employer-provided health insurance plan, if your primary employment is somewhere other than the University
  • Private health insurance coverage purchased independent of employment

If you have questions about your employment status, please contact your campus Student Employment or Human Resources office:

  • Urbana-Champaign
    • Urbana Student Employment (Undergraduate Students): 217-244-3789
    • Urbana Academic HR (Graduate Students): ahr@illinois.edu or 217-333-6747

  • Chicago
    • UIC Student Employment: 312-996-3130 or studentjobs@uic.edu
    • UIC HR Service Center (Graduate Student Employees): 312-996-7606

  • Springfield
    • Undergraduate Office of Student Employment in the Office of Financial Assistance: 217-206-6724 or finaid@uis.edu
    • Graduate Students: gaprog@uis.edu or 217-206-6544

  • University Administration: erhr@uillinois.edu or 217-333-2600

If you have questions about your student insurance, please contact your campus student insurance office:

FAQs

  1. Where can I read the Notice?
    You can find the Insurance Marketplace Notice online in NESSIE.


  2. I am a University of Illinois student. Why did I receive the Insurance Marketplace Notice?
    You received the Notice because you have been employed by the University within the last six months. The University is required by PPACA to provide all employees with information relating to the Health Insurance Marketplace (“Marketplace”). The Notice explains the option to purchase health insurance coverage through the Health Insurance Marketplace.

    Please note that the Notice discusses health plans offered to certain University employees through the State of Illinois Department of Central Management Services (“CMS”) (also referred to as the “State Employees’ Group Insurance program” or “SEGIP”). Student employees are not currently eligible for coverage through CMS.

    Your student insurance plan or other coverage that you maintain through a parent, spouse, or other family member’s plan (including coverage as a dependent under a parent’s or spouse’s CMS plan) will satisfy your responsibility to maintain health insurance under PPACA.


  3. The Notice talks about health plans offered through the State of Illinois Department of Central Management Services (“CMS”) (or “State Employees’ Group Insurance Program” or “SEGIP”). Am I eligible for these plans as a student employee?
    No, student employees are not currently eligible for SEGIP coverage through CMS, unless you are an eligible dependent of a state employee with coverage through CMS (i.e., if your parent or spouse works at the University).


  4. Why does PPACA require me to purchase health insurance coverage or pay a fee if I remain uninsured?
    The rationale for requiring nearly all individuals to purchase health insurance coverage is that having a larger pool of insured individuals (both healthy and sick people) will reduce the overall cost of providing health care in this country. Other PPACA requirements, such as prohibiting denial of coverage based on pre-existing conditions and removing annual and lifetime limits on coverage, provide increased protections to those who might otherwise not be able to obtain insurance. PPACA attempts to create incentives for healthy individuals to obtain insurance and to guard against the adverse financial consequences of unexpected health care costs resulting from significant illness or injury.

    If you choose not to obtain insurance for yourself and/or any dependents despite the individual responsibility requirement, you must pay a fee when filing your income taxes. The IRS administers the fee, which increases every year.


  5. What if I already have insurance?
    If you participate in a health plan offered through campus student insurance, or you have coverage that meets the minimum essential coverage requirements through another employer, a parent, spouse or other family member, then you do not need to take any action as long as you and any dependents maintain health insurance coverage.


  6. Am I required to give up my current coverage?
    No. If you have coverage that qualifies as minimum essential coverage under PPACA, then you satisfy the individual responsibility requirement for yourself.


  7. What if I don’t have insurance?
    PPACA requires nearly all individuals who are above the threshold for filing income tax to obtain health insurance with minimum essential coverage for themselves and any of their dependent family members or pay a fee when filing income tax returns. If you are not eligible for health insurance coverage based on your University employment or student status, and you do not otherwise have health insurance coverage through a parent, spouse or other family member, then you should carefully review the Insurance Marketplace Notice and understand your option to purchase health insurance through the Marketplace.

    If you were eligible for student insurance coverage through the University, but waived that coverage and now do not have any other health coverage through a parent, spouse or family member, you should contact your student insurance office to learn how and when to apply to reinstate coverage.


  8. I waived student insurance through the University and now I am not covered under any other plan, such as a parent’s plan, Medicaid, or another employer’s plan. Can I reinstate student insurance now or wait until the next enrollment period?
    Some student plans may permit you to enroll mid-semester or when experiencing a qualifying event. You should contact your campus student insurance office to learn how and when you can elect coverage or apply to reinstate coverage.

    UIUC Students:
    If you were eligible for health insurance coverage through UnitedHealthcare, but waived coverage and do not have any other health coverage through a parent, spouse, or family member, then you can apply for reinstatement for upcoming semesters, or you may enroll if you experience a qualifying event, to satisfy your individual responsibility under PPACA. If you remain eligible for UnitedHealthcare, you may have until August 2014 to fulfill your obligation under PPACA. Contact the Student Insurance office or consult the website at https://www.uhcsr.com/Illinois for more information.

    UIC Students:
    If you were eligible for health insurance coverage through Campus Care, but waived coverage and do not have any other health coverage through a parent, spouse, or family member, then you can request reinstatement to satisfy your individual responsibility under PPACA. If you remain eligible for Campus Care, you may have until August 2014 to fulfill your obligation under PPACA. Contact Campus Care or consult the website at http://www.uic.edu/hsc/campuscare/feesdates.html for fees, deadlines, and enrollment forms.

    UIS Students:
    If you were eligible for health insurance coverage through Academic Health Plans, but waived coverage and do not have any other health coverage through a parent, spouse, or family member, then you can apply for reinstatement for upcoming semesters, or you may enroll within 31 days of experiencing a qualifying event, to satisfy your individual responsibility under PPACA. If you remain eligible for Academic Health Plans, you may have until August 2014 to fulfill your obligation under PPACA. Contact the Student Insurance office or consult the website at http://www.ahpcare.com/uis for more information.


  9. If you decide to remain uninsured, you and any uninsured dependents will be required to pay a fee when filing your income taxes. The IRS administers the fee, which increases every year.

  10. What happens if I do not comply with PPACA’s individual responsibility requirement?
    If you do not have coverage in 2014, you must pay a fee when you file your income taxes. In 2014, the fee is $95 per adult ($47.50 per child) or 1% of your income, whichever is higher. The maximum fee for a family is $285. These fees will increase annually.


  11. I am already covered by a plan that meets the minimum essential coverage requirements. Do I have to do something with the Marketplace to prove I have insurance?
    According to the Internal Revenue Service (“IRS”), you will not have to prove coverage (or pay any fees) until you file your 2014 federal income tax return in 2015. For more information, please visit the IRS website. For the tax filing thresholds for most taxpayers, see this chart. Please consult with your tax advisor regarding your tax filing status.


  12. If I have the student health insurance plan, do I have to get something else too?
    If you maintain health insurance under a student health insurance plan, you have satisfied your individual responsibility under PPACA for yourself. If you have dependent family members, you must also ensure that they have health insurance coverage that meets PPACA minimum essential coverage requirements.


  13. What are the deadlines for obtaining insurance for me and any dependent family members?
    Most individuals who are above the tax-filing threshold are required to have coverage by January 1, 2014. However, if you are eligible for the student insurance plan, then you may have until August 2014 to satisfy your individual responsibility requirement under PPACA.

    If you are no longer eligible for student health insurance coverage through the University, and you do not otherwise have health insurance coverage through a parent, spouse or other family member, then you have the option to purchase health insurance through the Marketplace. The Marketplace at HealthCare.gov for coverage in any state or GetCoveredIllinois.gov for coverage in the State of Illinois begins open enrollment on November 15, 2014 and extends through February 15, 2015. Coverage elected before December 15, 2014 will be effective on January 1, 2015. Coverage elected December 16, 2014 through January 15, 2015 will be effective on February 1, 2015. Coverage elected January 16, 2015 through February 15, 2015 will be effective on March 1, 2015.


  14. Can my dependents be covered through the Marketplace if I am not getting insurance through the Marketplace?
    Based on the currently available information, health insurance plans will be available through the Marketplace to provide insurance coverage for your dependent family members. Please contact the Marketplace at HealthCare.gov for coverage in any state or go directly to GetCoveredIllinois.gov for coverage in the State of Illinois for more information.


  15. I am a former student who recently graduated and I am now covered under my parent’s or my new employer’s insurance. Do I need to get insurance through the Marketplace?
    No, as long as your parent’s or new employer’s plan provides minimum essential coverage, you are meeting your individual responsibility requirement under PPACA. You can contact that plan directly to find out if it meets the minimum essential coverage requirements.

 


Maintained by University Human Resources | Contact Information | Last Update: 21-September-2017 | ID: 4934