<p>jerzgrlmom, I think the 3000 asset protection is for dependent students, it’s different for independent and different again if you have a spouse or children.</p>
<p>as far as health insurance, many schools let you buy into their group plan, but I have no idea about pre-existing conditions. </p>
<p>Also, you will get one of the tax credits when you file your federal taxes, check out IRS publication 970. You can do taxes online for free and I highly recommend that route for you.</p>