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?