College students have more health insurance options than other groups. Here's the breakdown.
Option 1: Stay on Parent's Plan (Until Age 26)
Under the ACA, you can stay on a parent's health insurance until age 26 — regardless of student status, marital status, or financial dependency.
- Pros: Often free or nearly free. No new enrollment.
- Cons: Network may not extend to college town (out-of-state students)
Option 2: School-Sponsored Student Health Plan (SHIP)
Most universities offer their own plans, often with on-campus health center access.
- Pros: Usually covers on-campus health center, includes mental health
- Cons: Premiums $1,500–$3,500/year. Often less comprehensive than ACA.
Option 3: ACA Marketplace Plan
If you have any income (even part-time), you may qualify for ACA subsidies based on YOUR income — not your parents'.
- Pros: Often $0/month with subsidies. Comprehensive coverage.
- Cons: Need to enroll during Open Enrollment or qualifying event.
Option 4: Medicaid
If your individual income is low (most students), you likely qualify. Medicaid is free in most states.
Option 5: Catastrophic Plan
Under-30 students can buy catastrophic plans — lowest premium ($100–$200/month) but high deductible. Good for healthy students who want disaster coverage.
Decision Framework
- Studying in same state as parents: Stay on parent's plan
- Out-of-state student: Compare SHIP vs ACA plan in college town
- Low income, no parent help: Medicaid or $0 ACA plan
- Healthy with some income: Catastrophic plan
Compare your options. Get a free student quote →