Health Insurance for College Students: What You Need to Know Before You Head to Campus

Whether you’re getting ready to start college or returning for another semester, health insurance is probably the last thing on your mind — but it shouldn’t be. Many schools require students to carry health coverage, and failing to have the right plan could leave you unprotected (or paying out-of-pocket) when you need care the most.

In this guide, we’ll break down:

• Why you need health insurance in college

• What types of plans colleges typically accept

• Questions to ask a licensed insurance agent

  
  

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🎓 Do College Students Need Health Insurance?

Yes. Most U.S. colleges and universities require enrolled students to have health insurance — either through the school’s plan or a private plan that meets their requirements.

Some schools automatically enroll students in their own student health insurance plan (SHIP) and charge the premium to your tuition bill unless you opt out with proof of other coverage.

🩺 What Types of Health Insurance Plans Do Schools Accept?

Every school has its own rules, but most accept:

1. Parent’s Health Plan

   • Students under age 26 can often stay on their parent’s employer or Marketplace plan.

   • Be sure the plan offers coverage in the state/city where your school is located — some HMOs or regional plans don’t.

2. School-Sponsored Plans (SHIPs)

   • These are group plans offered through the college and are typically compliant with the Affordable Care Act (ACA).

   • Good for students with pre-existing conditions or who don’t qualify for other options.

3. Marketplace (ACA) Plans

   • If you don’t have access to a parent’s plan and want your own coverage, Marketplace plans are a good option.

   • Based on income, you may qualify for subsidies or Medicaid in some states.

4. Private Health Insurance Plans

   • Some students choose non-Marketplace plans or short-term insurance if they’re ineligible for subsidies or need temporary coverage.

   • Important: Not all private or short-term plans meet school insurance requirements, so it’s critical to confirm first.

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❗ What to Ask a Licensed Insurance Agent

Before choosing a plan, be sure to ask:

• ✅ Does this plan meet my school’s insurance waiver requirements?

• ✅ Will this plan cover me in the city/state where I’m attending college?

• ✅ Can I cancel or change plans mid-year if I leave school or move?

The right insurance plan should balance affordability, coverage, and flexibility — and a licensed agent can walk you through every step.

👩‍💼 Nationwide Health Advocates Is Here to Help

Whether you're a student trying to avoid school plan costs or a parent looking for peace of mind, Nationwide Health Advocates connects you with licensed health insurance agents who can help you:

• Review your school’s insurance policy

• Explore ACA Marketplace or private plan options

• Ensure the plan meets your school’s coverage requirements

• Find the best coverage for your budget and needs

📞 Talk to a licensed agent today to make sure you or your student is covered before the semester starts.

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