Need help understanding health insurance options while in grad school (US)

I am 29 and about to start a two year program at Indiana University in Bloomington, Indiana, USA. I will be leaving my full time job, and therefore losing my health insurance. I'm getting a little lost in the endless sea of enrollment options for <30 year olds, and was wondering if anyone had any experience or advice as to the best route for coverage while in my program?

Helpful info is I am healthy and have no preexisting conditions other than psoriasis and rarely see the doctor. I do currently see a therapist once a month and on my current PPO plan have a $30 copay.

Here are what I have found so far…

Voluntary student insurance through IU: Good coverage, but comes out to over $400 a month so doesn't seem worth it. Individual plans through the federal exchange: Fairly average coverage with mid to high copays and deductibles, averaging around $250-$280 a month… seems like an alright option but still quite a bit of money. Medicaid, or Healthy Indiana Plan (HIP): These are what I am most unsure about. I am eligible for either federal Medicaid or state-sponsored HIP, and based on their calculators would likely only have to pay ~$15 per month, but I'm having a really hard time understanding what coverage is like under these plans. Most of what I see online is very hit or miss with quality of care under state sponsored insurance, ranging from expensive copays and deductibles to outright being refused care. Does anyone have experience with these types of plans, either via administration or being on them themselves? Especially as a student, are these good, affordable options, or would I be better off spending the extra money for better care?

Any insights or resources folks have to understand more about these types of plans and coverage options would be so so helpful, thank you so much in advance!

submitted by /u/Impressive-Impact218
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