As high school graduates gear up for college, securing health insurance coverage is critical. Many colleges and various organizations provide essential health benefits through a range of options, including school-sponsored plans, extensions under parental plans, government programs and private health insurance plans. Understanding what each option covers is vital for making an informed choice about student healthcare insurance.

School-Sponsored Plans

School-sponsored plans are health insurance programs colleges and universities provide to ensure that students have adequate coverage while enrolled. Most higher education institutions require students to have health insurance through a student health plan (also called campus health insurance) or another provider. 

Student plans cover around 3 million students in the U.S., offering health services that college students can use on campus. Many colleges offer student health insurance to facilitate easy access to medical care and promote a healthy learning environment. However, these plans can be expensive, around $4,000 per academic year) and have limited benefits. 

Parental Plan Extension

Staying on a parent’s plan is a popular option for many college students. The Affordable Care Act provision allows young adults to remain covered under their parent’s health plan until they turn 26, regardless of their tax-dependent status, marital status or residency. 

While this can help students transition coverage to higher education, there are a few downsides. Staying on a parent’s plan can mean limited network coverage for out-of-state students, leading to higher out-of-pocket costs. It also means less privacy for the student since parents may receive statements related to medical services used. 

Government-Sponsored Plans

Government-sponsored plans, accessed through the Health Insurance Marketplace, offer coverage options for college students. These marketplace plans come in different tiers, accommodating various healthcare needs and budgets. 

Students can enroll during open enrollment periods or qualify for special enrollment due to life changes like relocating for college. However, navigating these plans can be complex and finding the right level of coverage can be time-consuming. Some plans also have higher out-of-pocket costs or limited provider networks, which could restrict where students can receive affordable care.

Private Health Insurance for Students

Private health insurance offers college students a flexible and comprehensive option for their healthcare needs. Many private insurers provide tailored plans for students, ensuring coverage that aligns with their unique lifestyles and schedules. 

These affordable private health insurance plans often include a wide range of medical services, from preventive care to specialist treatment, allowing students to access high-quality healthcare both on and off campus. Students can choose health insurance near them that best fits their health priorities and financial situation, enjoying the peace of mind that comes from knowing they are fully covered. 

Benefits of Private Health Insurance for Students

As a student, private health insurance may be the best coverage option for your needs. A United National Healthcare private insurance plan offers the following benefits over campus policies or government plans: 

• Customizable coverage. You can choose a plan that covers areas most important to you, such as mental health, sports injuries or international travel. This is ideal if you’re studying abroad or involved in athletics, ensuring relevant coverage for your lifestyle and hobbies without paying for unnecessary coverage.

• Broad network access. Private health plans often include agreements with a nationwide network of hospitals and clinics, enabling students who go to college far from home to continue receiving care under their insurance without extra fees. If you attend school out-of-state or travel between home and college frequently, this could be beneficial.

• Additional perks. Our private health insurance plans come with comprehensive packages, including dental and vision coverage, which are frequently excluded in basic student plans. Wellness programs, such as discounts on gym memberships and free health coaching, are also common, promoting a healthier lifestyle that can boost your academic performance.

• Continuity of care. You can often buy private health insurance at any time and keep the plan as you transition from undergraduate to graduate programs or take a gap year. This eliminates the need to worry about special enrollment periods or establish care with different healthcare providers. It is advantageous if you deal with ongoing health issues, allowing you stable and consistent treatments regardless of your academic status.

Explore Tailored Health Insurance for Students With United National Healthcare

United National Healthcare offers affordable, well-rounded healthcare plans to support you while at college and beyond. Check out our guide to buying private health insurance to help you explore plan options or speak with a representative to discuss your specific needs, discover a plan that works for you and get a quote for student health insurance in your area.