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What is a student or college insurance plan?

A student or college insurance plan is health coverage that is offered specifically to students by a private insurance company, by the student's own college or that is purchased through the Health Insurance Marketplace. In most cases, student or college insurance plans qualify as providing at least minimum essential coverage (MEC), meaning that the plan meets the requirements for having health coverage under the Patient Protection and Affordable Care Act (PPACA). Students covered by plans that meet MEC won't have to pay a fee for being uninsured.

Colleges and universities typically require students to have health insurance in order to attend. Student insurance plans may be a good option particularly for college students who are not covered under their parents' insurance plans. Health services provided by the college's student health center are typically covered under the plan, and some plans carry coverage for students who plan to study abroad, along with access to travel assistance programs that include medical evacuation if necessary. (If you plan to travel, make sure you know the details of your program before you go.)

Student health plans typically offer lower premiums and lower cost-sharing compared to other options, too. 

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Important: This content reflects information from various individuals and organizations and may offer alternative or opposing points of view. It should not be used for medical advice, diagnosis or treatment. As always, you should consult with your healthcare provider about your specific health needs.