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Health Insurance For College Students State Directory

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College Student Healthcare Resources

Navigating health insurance as a college student can be overwhelming, but understanding your options will help you find the best coverage for your needs.

Important Considerations

  • Coverage Through Your Parents’ Plan: If you’re under 26, you can remain on your parent’s health plan. However, make sure their plan covers providers in your college’s area.
  • ACA Marketplace Plan subsidies, or financial aid, is expanded through 2025. Use our ACA Subsidy Calculator to answer a few easy questions to determine your subsidy eligibility in seconds.*
  • Applying for Medicaid: If your parents don’t claim you as a dependent, you may qualify for Medicaid based on your income. Eligibility requirements vary by state.
  • Short-Term Health Plans: These are a good option if you need temporary coverage, but be aware they don’t cover essential health benefits and may not include coverage for preexisting conditions. Check availability in your state as not all states offer these plans.
  • Research Your School’s SHIP: Review the benefits and costs of your college’s SHIP carefully. Ensure it provides adequate coverage, including access to in-network providers, prescription drugs, and mental health services.

Here’s a breakdown of the main types of plans available to you:

1. Affordable Care Act (ACA or Obamacare) Marketplace Plans

These plans, available through the Health Insurance Marketplace, may offer subsidies to lower your premiums based on your income. If you’re under 26, you might also be able to stay on your parents’ Obamacare plan during the annual Open Enrollment Period or apply independently if you qualify for a Special Enrollment Period.

2. Medicaid

Medicaid provides health coverage for low-income individuals, including children, pregnant women, and people with disabilities. Eligibility varies by state, so check your state’s requirements.

3. Children’s Health Insurance Program (CHIP)

CHIP covers children whose family income is too high for Medicaid but too low to afford private insurance. This plan is available for children up to age 18.

4. Catastrophic Health Insurance Plans

These plans are designed for individuals under 30 with lower premiums and high deductibles. They cover essential health benefits and some preventive services. Verify with your college whether a catastrophic plan meets their insurance requirements.

5. Short-Term Health Insurance

Short-term plans provide temporary coverage for up to 3 months, with a possible 1-month extension. These plans generally offer limited benefits and don’t cover preexisting conditions. They’re useful if you’re between jobs or waiting for other coverage to begin.

6. Student Health Insurance Plans (SHIP)

Many colleges and universities offer SHIPs, which might be included in your tuition or student fees. These plans can be cost-effective but review the costs carefully. Check the premiums, deductibles, copays, and coinsurance to ensure it meets your needs.

7. Travel Health Insurance

If you’re studying abroad, travel health insurance can provide coverage while you’re outside the U.S., either fully or as supplemental coverage to your existing plan.

Available Resources: