College student health insurance

Explore health plans – just for students

Taking new steps. It’s part of growing up. When you’re a college student, the steps may seem to get bigger by the minute.

One of these steps is choosing a health insurance plan. It’s important to find a plan that works with where you are—on campus and in life, so you have the benefits you need when you need them.

Find out how to get started with a student health plan.

Experience lower costs and added benefits

Student health plans can be a valuable solution for college students and their families. Not only can they cost less than other plans – even less than staying on an employer-sponsored family plan – they can also provide better benefits. 

Here are some reasons to think about a student health plan .

  • Lower cost deductibles and premiums.
  • Comprehensive benefits, including added services not always found with other plans.
  • Greater access to national and local networks of physicians and behavioral health specialists.
  • Better coverage for school-sponsored, on-site health clinics and virtual visit services.

Student plans come with added benefits because they’re designed with students in mind. Lower rates are possible partly because they’re based on a younger, healthier population and provide coverage for a limited time (just while they’re in school). Families and students can save money – and get high-quality coverage at the same time. 

How to choose a health plan when you’re a student

Looking at all of the options may help you find a solution that works best for your student and your family. Here are the options students can consider.

  • Student insurance plans
  • Parents' employer plans (up to age 26 if dependent coverage is available)
  • Employer plans (for eligible employed students)
  • Individual plans through the State or Federal Exchange.
  • If you're under the age of 30 (or qualify for a hardship exemption), you can purchase a catastrophic health plan through an Exchange.

Depending on your state, you may qualify for Medicaid.

Looking for more help understanding the options for student health plans?


Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates. Administrative services provided by United HealthCare Services, Inc. or their affiliates.