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Health Insurance for College Students

College Student Health Insurance Quotes - Fast, FREE, Online


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When pursuing an undergraduate or graduate degree, you have several options when it comes to cheap health insurance for college students. You may have limited coverage offered by your school, you may have benefits through your parents, or you may have to get a college health insurance plan on your own. When it comes to purchasing college student heath insurance, the Internet is your best bet to quickly find the protection you are looking for.

eHealthInsurance is the leading online destination for all different types of medical plans, including health insurance for college student plans. With the ability to give you instant, FREE, no-obligation quotes for an affordable health insurance for college students policy, you are able to compare and purchase coverage via your computer in a matter of minutes. No more calling around to different providers to discuss your options. Instead, use the Internet to easily differentiate between the best policies currently available, choosing the right protection for your situation.


cheap health insurance for college students


College Student Health Insurance Basics

Below are some things to be aware of concerning college student health insurance eligibility and benefits. It is especially important to be aware of how this type of policy differs from what a traditional provider offers, which is what most of us are more familiar with.

  • You can be no younger than 17 and no older than 29 to be eligible for a student plan. In other words, you need to be the typical age of someone pursuing an undergraduate or graduate degree.
  • You have to go to a college or university that is located in the US and accredited by the state and be a full-time graduate or undergraduate student. Not every institution will fit this requirement, which means individuals attending non-accredited schools will have to look at other types of policies.
  • As long as you are in the US, its possessions, or Canada, you will be covered. Coverage in any other location is not available, which means this is not the right choice for those attending classes overseas.
  • Health insurance for college student coverage is year-round, not just during the school year. Year-round coverage is something that a school sponsored plan may not offer.
  • You may visit any doctor or medical facility of your choosing, though it most likely will be cheaper if you visit a participating physician or hospital. Stay within the network of providers, and your out-of-pocket expenses should be lower. Fortunately, your choices will generally be quite broad, usually allowing you to seek medical care from the professional that you are most comfortable with.
  • Coverage is renewable for as long as you need it. You may keep coverage after you graduate or if you leave school for any reason. The only stipulation is that you have coverage as a full-time student for at least 31 days before leaving school. This means you can keep your policy after you graduate, until you find more traditional protection, like what you would receive from an employer.
  • College student health insurance coverage is even available for foreign exchange students attending a school in the States, assuming they meet the other eligibility requirements.

There are certain exclusions and coverage limitations on a cheap health insurance for college students policy. Read the fine print before you commit to a policy so that there are no surprises down the road. Visit eHealthInsurance's website to easily compare your options and see what benefits are, and are not, available with a particular plan.

For further information regarding what types of medical plans are available for those attending an institution of higher learning, please view the below video and take a look at the below comparison table. Depending on what exactly you are looking for, you might be better off with an individual policy, or a school sponsored plan might be sufficient. Just be aware of what each option has to offer before making a decision that will determine what type of medical care will be available to you.

Cheap Health Insurance for College Students Quotes

The affordable health insurance for college students quotes you get from eHealthInsurance are the best you will get for a particular policy. This is because insurance premiums are set by the state, and no matter where you get a quote for a particular plan, the premiums will be the same. With no hidden fees, eHealthInsurance makes it easy to research and compare available medical coverage to find the best plan for your situation.

Get your FREE, no-obligation college student health insurance quotes instantly from eHealthInsurance!

cheap health insurance for college students


Video Introducing Student Health Insurance Options

Below is a video from eHealthInsurance discussing various options for student health coverage.



Student Health Insurance Options Compared


Student PlanSchool PlanIndividual Plan*
Anyone Can Apply For Coverage - In order to apply for a student or school sponsored health plan, the individual must be taking a certain number of credit hours from a state-accredited college or university, which means some part-time students are not eligible.no-xno-xcheckmark
Coverage Everywhere - School issued health plans may not cover you when you are away from school, such as on summer break or back home for the holidays. Both student and individual plans allow for coverage while away from school.checkmarkno-xcheckmark
Good Access to Medical Care - Many school sponsored plans limit a student's access to health care professionals to on-campus clinics or to a limited number of off-campus facilities. Student and individual plans tend to offer a wide variety of off-campus healthcare facilities and doctor options.checkmarkno-xcheckmark
Keep Plan Forever - School plans generally are only available to students meeting certain eligibility requirements. Once you are no longer a student, you are not able to keep coverage. You may keep an individual plan as long as you wish, and some student plans allow you to maintain coverage once you are done with school.checkmarkno-xcheckmark
Lifetime Benefit Limits - Health plans purchased directly from a school have historically placed lifetime benefit limits on individuals. Student plans may have coverage specific benefit limits. Individual health plans do not have any benefit limits.no-xcheckmarkno-x
Exclude Pre-Existing Conditions - School issued health plans may not provide coverage for pre-existing conditions. Individual or student plans may not accept your application if you have a pre-existing medical condition, or they may exclude coverage for a set period of time, such as 12 months.no-xcheckmarkno-x
HSA Eligible - School issued, and student health plans are not eligible for use with a Health Savings Account (HSA), which is a way to pay for healthcare expenses with tax-deductible funds. An HSA is a savings account used for eligible medical purposes.no-xno-xcheckmark

*Individual Plans - Recent health reform allows children to stay on their parent's health coverage until they are 26 years old, which is a good option for many college students, especially those with pre-existing medical conditions. However, there may be some limitations on coverage if the child isn't going to school locally.



cheap health insurance for college students