This is probably a tl;dr - you've been warned.
The health schools at UMN require students to carry their insurance and have very strict waiver limits (employer-sponsored group policies, MinnesotaCare, and one other category). This applies to all the schools under the AHS umbrella - vet, med, dental, pharm, etc. Their side of it is that this is the plan that students had input crafting, that students set the requirements, and that part of the increased cost is because of increased mental health benefits (because of the increased mental health risks in our fields).
But, the cost to cover me and my family (my wife is home with our kids for now) was - IS - absurd. The policy is fine, but the cost is not. Especially with tuition up by 10% from last year (and the health care policy also going up a similar amount).
I was investigating other options (including the AVMA-GHLIT product), but the university shut me down on everything because it didn't meet their categories. Frankly, while I can understand them requiring that students carry insurance, I find it unreasonable that they require the level of coverage they do when tuition is already through the roof - you gotta give
somewhere. The problem is everyone passes the buck: the vet school points out that it's an AHS requirement, AHS points to the health services folks, the health services folks say they just enforce the policy and administrate the health plan, etc.
Using AVMA-GHLIT as an example ... to use the university's plan would cost me an additional $14,000 over the next four years for comparable coverage. AVMA-GHLIT is certainly weak in a couple areas, but it also was stronger in others. All in all I called it a wash - except for the $14k. I had a variety of plans I looked at that ranged from $5k cheaper to $17k cheaper over the next four years.
So I took it to my state representative back in .. August-ish, maybe. She had said she would look into it, but I didn't hear anything until last week. I got email asking me to appear before a House committee where she was introducing a bill to require the university to expand their waiver categories.
It was an interesting experience. I'm afraid I'm not terribly good at that sort of thing, so I have no idea what sort of impression I made on the committee. But my representative did an outstanding job presenting the issue and lobbying on my behalf; I am grateful and impressed. The university showed up to push back - three higher-ups in fancy suits. They proceeded to stretch the numbers and mislead the committee. For instance, they would say things like "Our policy has no deductible, and the policy Mr. <mispronounce my last name repeatedly> presented has a $750 yearly deductible."
Technically, that's true. But since the university's insurance is $3500/yr more expensive, that $750 doesn't matter. I'm still $2750 ahead after I pay all $750. Frankly, it was really frustrating that the university wouldn't even deal honestly, but I guess that's politics. And why I'm not a politician.
All in all a very interesting experience.