Currently there is no health or dental plan available for Athabasca University undergraduate students.
Unfortunately, it is very difficult to find a plan that will work with AU’s unique demographic.
At brick-and-mortar institutions, students are typically automatically opted into the health plan when they sign up for a semester, which is how they can offer low plan rates. However, an automatic opt-in plan will not work for AU. The majority of AU students (approximately 80%) are part time, so automatically adding a health & dental plan fee of hundreds of dollars to a one-course registration would not be viewed favorably by most members. Further, about 30% of AU students are just visiting from other institutions, only taking 1 course at AU to supplement their studies elsewhere, and they typically have health and dental plans through their home institution. Additionally, approximately 80% of AU students are taking courses while working, so a lot of our members already have health and dental plans through their jobs.
This only leaves the option of an “opt-in” health plan, so students can voluntarily sign up for it. However, opt-in plans would involve very high premiums, upwards of $700-900 per month or more. Plans like this tend to get low enrollment, and typically the only people who enroll make more claims than the cost of their premiums, causing the plan to operate at a loss. Consequently, an opt-in plan is not likely to succeed.
For these reasons, AUSU currently has been unable to find a group health and dental plan that will work for our unique membership.
We will continue to look into solutions for students in need of health and dental plans.
Please email [email protected] with any questions.