College Planning? Don’t Forget About Student Health Insurance


When planning for college, students and parents often focus on tuition, room and board, textbooks, and school supplies. However, one crucial aspect that frequently gets overlooked is student health insurance. Ensuring that a student has adequate health coverage is vital, as it not only helps manage unforeseen medical expenses but also provides peace of mind. This guide explores the importance of student health insurance and what to consider when selecting a plan.

Why Student Health Insurance is Important

Financial Protection

Health insurance serves as a financial safeguard. Without it, a student might face exorbitant medical bills from unexpected illnesses or accidents. College students, being in a new environment and possibly away from home for the first time, are prone to various health risks, including injuries from sports, infections, or mental health issues. Health insurance helps cover these costs, preventing financial strain on the student and their family.

Access to Quality Healthcare

Having health insurance ensures that students have access to quality healthcare services. Most insurance plans cover routine check-ups, vaccinations, mental health services, and emergency care. Access to these services is crucial for maintaining overall well-being, allowing students to focus on their studies without worrying about their health.

Compliance with College Requirements

Many colleges and universities require students to have health insurance as a condition of enrollment. This requirement is in place to ensure that all students have access to necessary healthcare services and to prevent financial hardship in case of medical emergencies. Students often have the option to enroll in the school’s health insurance plan or provide proof of existing coverage.

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Types of Health Insurance for Students

Parent’s Health Insurance

Students under 26 years old can often remain on their parents’ health insurance plans. This is typically a convenient and cost-effective option. However, it is important to check if the plan’s network includes healthcare providers near the college campus, as out-of-network care can be more expensive.

School-Sponsored Health Insurance Plans

Most colleges offer their own health insurance plans tailored for students. These plans are designed to provide comprehensive coverage for services available on or near campus. School-sponsored plans may include benefits like access to campus health centers, which can be very convenient for students.

Individual Health Insurance Plans

Students can also purchase individual health insurance plans through the Health Insurance Marketplace. These plans vary in coverage and cost, allowing students to choose one that best fits their needs and budget. Financial assistance may be available for those who qualify, making this option more affordable.

What to Look for in a Student Health Insurance Plan

Coverage and Benefits

Ensure that the plan covers a wide range of services, including preventive care, emergency services, mental health care, and prescriptions. It’s also beneficial to have coverage for services that may be needed less frequently, such as specialist visits or physical therapy.

Network of Providers

Check if the insurance plan has a network of healthcare providers close to the college. In-network services are typically less expensive than out-of-network services. It’s crucial to have easy access to healthcare providers, especially for non-emergency services.


Consider both the premium (the monthly cost of the insurance) and out-of-pocket costs such as deductibles, co-pays, and co-insurance. A plan with a lower premium might have higher out-of-pocket costs, and vice versa. Balance these costs based on the student’s healthcare needs and financial situation.


Look for plans that offer flexibility, such as the ability to visit out-of-network providers if necessary. While staying within the network is usually cheaper, having the option to go out-of-network can be valuable in emergencies or for specialized care.


Health insurance is an essential part of college planning. By ensuring that a student has adequate health coverage, families can protect against unforeseen medical expenses and ensure that the student has access to necessary healthcare services. Whether through a parent’s plan, a school-sponsored plan, or an individual plan, the right health insurance can provide invaluable support throughout a student’s college years. Remember, investing in health insurance is investing in the student’s future well-being and success.

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