What is a student health insurance plan?
A student health plan is a special kind of health coverage that colleges and universities offer to their students. All student health plans count as minimum essential coverage, and most provide coverage for essential health benefits such as hospitalization, emergency services, prescription medications, and lab tests. Fully insured student health plans are purchased from health insurance companies and will always provide coverage for essential health benefits. However, self-insured plans may not be required to do so (requirements vary by state). Contact your school if you are uncertain what kind of plan they offer. You can also check with the state insurance office to see what the rules are for self-insured student health plans in your area.
Students are not required to use the health plan offered by their school. Being able to purchase coverage through school will not impact your ability to receive coverage or subsidies on the exchange or to remain on your parent’s plan.
Student health plans are typically different from the coverage offered to a school’s staff members.
What is a catastrophic health plan?