Agent Owner, Gilmore Insurance Services, Marysville, Washington State
What is the best health insurance for college students? Going to depend on the situation. First is the student still on the parents plan? Review your current coverage to see how it would work for out of network coverage, assuming the student is out of the area. If not leaving the plan area, no worries. Kids can remain on parents plans now till age 26.
Most universities REQUIRE a student to have health insurance. They have their own limited plans that they will add onto the cost of your education. The only way to waive this required coverage is to show coverage elsewhere. Student insurance is not awful, but most only provide coverage while enrolled. Summer break you may be on your own. Check your plan booklet.
Each student's needs should be assessed individually. The location of the college/university is particularly relevant if a student remains on a parent plan. Pay close attention to network coverage availability. In addition, the individual's history of medical needs would be an important consideration if ongoing physician visits and or prescription coverage is necessary. Finally, how would the school offered coverage stack up against any options available through the parent's plan.
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Most universities REQUIRE a student to have health insurance. They have their own limited plans that they will add onto the cost of your education. The only way to waive this required coverage is to show coverage elsewhere. Student insurance is not awful, but most only provide coverage while enrolled. Summer break you may be on your own. Check your plan booklet.