Insurance issues aside for a moment, is your medical condition affecting which schools you would choose? For example you couldn't consider School A even if its plan was good because of your condition? I probably need to be a little more realistic about my choices considering some of my limits.
Yeah, I hadn't really thought about it until a couple weeks ago, when it dawned on me that I may need to make considerations based on the health care situation. The AHCA passing the house made the reality sink in.
From the bit of research I've done, it looks like most schools do have insurance (student health insurance plan, or SHIP). But, it looks like it varies widely. Some are group plans through major insurance companies, some are simply that all your care is free via the on-campus health center. And UW is none of the above - you're on your own. But, I believe that is the least common scenario and only happened because of the ACA making insurance much more affordable and accessible. It also looks like most schools require you to have insurance - you can only opt out of their school plan with proof of you having equivalent or better coverage.
Honestly, I'm not totally sure yet on your last question. I think I need to look into it more, and possibly contact a few schools to ask specific questions. Basically, I need to have a few prescriptions, monitoring blood tests, occasional physical therapy, and a specialist visit a couple of times yearly. So, I think most of those things would be covered by SHIPs since they are pretty basic services. But I want to be super cautious, because it would be terrible to rely on the exchange and then part way into school lose that insurance. That might mean having to transfer or drop out. I need to have a plan B. But I think that the services I need are basic enough to be covered by most plans, so I just need to make sure that 1) the school has a SHIP and 2) it covers those few things, at a reasonable cost. I think I'd be too nervous to attend a school that doesn't offer any insurance though.
EDIT: ok sorry, re-read your last question and think I understand a bit better haha. No, I don't think so. I have inflammatory arthritis (autoimmune). On a bad day, I'm pretty averse to stairs haha. And colder climates are tough. But nothing that's impossible to work around. I'm hesitant to go to schools in more rural areas that wouldn't have as many specialists available; I've been spoiled in my current area that has thriving healthcare! So overall, it doesn't have too much effect on things.[/quote]
Adding to the discussion about medical issues. I get monthly (unless if my levels are off...and then it can be as frequent as every 3-4 days) blood tests, see a specialist (hematologist) every six months, and need access to at least a decent level ER for "uh oh" times. I had two concurrent blood clots about two years ago and have a clotting disorder, so I'm on blood thinners for life. I'd be hesitant to go to a more rural school, but only if there wasn't an ER within a reasonable distance. Otherwise, as long as there are the basics (ER and clinic) in the area, I'd be up for driving a bit for specialty (hematology in my case) visits.