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No, you also have to opt-in and pay the annual premium.

This is included in the cost calculation (see notes section at the bottom for details).

OK, I did misunderstand. The numbers make more sense now. I believe step 3 "enroll, get that cheap insurance" should make this a little more clear. (It's not just the act of enrollment that gets you the insurance.)

This is a good point, and also kind of an unintentional pun since enroll could refer to either enrolling in school or enrolling in the healthplan.

Some (many?) schools you are enrolled automatically to the healthcare plan unless you opt-out.

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