Best Health Insurance for College Students 2024 [Health Care Coverage]

Most colleges, universities, and individual companies offer health insurance plans, but picking the best health insurance for college students to get overall coverage requires proper considerations.

With rising healthcare costs and the need for different types of coverage, finding the right one is a vital step, so before you make the decision need to focus on some key steps and considerations.

We’ve prepared the guide with the necessary information, that help you when selecting the insurance policy and plans, you can learn from basic understanding to choosing the right plan.

To help you and our readers, we researched some best companies based on their plans, premiums, costs, deductibles, pros, cons, customer ratings, etc.

So read the guide to pick some top plans according to your needs.

best health insurance for college students

Page Contents

What is Health insurance for college students?

Health insurance is most helpful for college students in their academic journeys, that provides coverage, for medical expenses and health problems, mainly designing those plans for students to secure their health and financial stability.

College students, often juggling a tight budget and newfound independence, particularly benefit from health insurance.

Since not all families have financial security and access to quality healthcare, student health insurance plans become a safeguard for academic well-being.

There are many facilities provided by insurance companies as per plans and on different budgets, so explore them to get the best option.

Types of Health insurance for college students

We’ve mentioned some primary health insurance options for college students, check the given outline and consider which types of plan can fit your needs. 

Carefully choose the plans, before making any decision analyze the pros, cons, and facilities offered by this plan.

PlansProsConsIdeal for
Parent’s planOften cheapest, covers until age 26Out-of-state coverage might be limitedIn-state students, dependent on parents
School-sponsored Convenient, affordable, bundled with tuitionCoverage might end during breaks, limited network optionsStudents prioritizing on-campus healthcare and affordability
Domestic Partner’sComprehensive, employer subsidizes costRequires marriage/domestic partnership, tied to partner’s jobMarried/partnered students seeking comprehensive coverage
Employer-sponsored Affordable for part-time workers, Tied to employment, might require specific work hoursStudents working part-time who want their own coverage
ACA marketplace Wider range of plans, possibility of subsidiesCan be expensive without subsidies, limited for dependentsStudents needing wider coverage options or not on parent/partner plans
MedicaidFree or low-cost coverageEligibility based on income, limited networkStudents who qualify for Medicaid based on income
Short-term Affordable temporary coverageLimited benefits, high deductibles, no pre-existing conditionsStudents needing temporary coverage (understand limitations)

Compare the best health insurance

When considering a health insurance plan, compare the best companies according to their services, plans offered facilities, eligibility, budget, ratings, etc.

Here are some points you can follow to compare the best health insurance companies, that primarily focus on college students.

Consider the needs:

Health history, frequency of visits to the doctors for health care issues, prescriptions, and your budget to afford monthly premiums.

Explore insurance types:

  • School-sponsored plans (many colleges offer insurance plans to students, first of all, check them).
  • Marketplace plans (ACE) it is called Affordable Care ACT, the marketplace offers an individual some financial assistance-based healthcare plans.
  • Another is the Individual plan, which you can research and compare directly with insurance companies.

Compare key factors:

  • Coverage: For different coverages, review each plan properly such as doctor visits, prescriptions, hospitalizations, mental health, preventive care, and other facilities.
  • Cost: With comparing the coverages, compare the monthly premium, deductibles, and copays (fixed fees for some services) costs.
  • Network: Research on company networks, experienced doctors, hospitals near schools and hometowns, and the cost of maintaining good health.
  • Customer service ratings: You can easily check the customer reviews, comments, and ratings online from My Business Service, and from another source.

Best Health insurance for college Students

As a college students, having a reliable health insurance coverage is most helpful.

Picking a single “best” company can be tricky because student needs vary. However, some insurers consistently rank well for college health plans:

  • Blue Cross Blue Shield (BCBS): Stands out for wide availability, affordability, and decent customer service. BCBS plans are often offered through the ACA Marketplace, making them a strong contender.
  • Oscar: Known for their user-friendly mobile app that makes managing your plan. This can be a big plus point for tech-savvy students.
  • Aetna (through CVS MinuteClinic): A good option if you like the convenience of using retail clinics like CVS MinuteClinic for basic needs. 
  • Kaiser Permanente (if available): If you live in an area with Kaiser Permanente, their HMO plans can be a great choice. Kaiser Permanente operates under a unique model where your doctors and hospitals are all part of the same network.

When evaluating health insurance plans, be sure to consider factors like coverage, costs, network size, and any special benefits for college students.

Comparing those options, can help you find the best fit for your healthcare needs.

According to a researched by investpedia, the best:

  • Best Overall: Blue Cross Blue Shield
  • Best Mobile App: Oscar
  • Best for Retail Clinic Access: CVS/Aetna
  • Best for Older Students: Kaiser Permanente

FAQs (Frequently Asked Questions)

Which health insurance company is best for students?

The best overall is Blue Cross Blue Shield. It depends on your needs and location. Check what your college offers (often a good deal) and compare it to plans from big insurers.

Can college students get life insurance?

Sure, but it’s probably not a priority for most healthy young adults. Focus on health insurance first during their college academic.

Do College Students Need Health Insurance?

Yes, even young folks get sick or hurt, and medical bills can be brutal. Having insurance gives you peace of mind and protects your wallet.

How to Find the Best Health Insurance for College Students?

Talk to your school’s health office and browse online marketplaces. Consider factors like coverage, cost, and network of doctors.

What Does Health Insurance for College Students Cost?

Student health insurance plans are not too expensive, generally, you can expect to pay a few hundred dollars ($150-$300+ per month).

Final Thought

Depending on students’ healthcare needs, family financial budget, and states, they can choose the best health insurance options.

However, some companies like Blue Cross Blue Shield, offer valuable healthcare plans to students. Also, Oscar, Aetna, and Kaiser Permanente are some options you can consider, still, it depends on your requirements and budget.

Before you decide to get an insurance plan, understand the needs, because many states and colleges require you to have insurance before beginning the classes, and some colleges offer sponsored coverage plans.

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