Health Coverage for Students & Young Adults
Whether you're heading to college, recently graduated, or starting your first career, our licensed advisors help you compare health coverage options that fit your lifestyle and budget. Many students may qualify for $0 premium Marketplace plans depending on income and eligibility.
3 Paths to Student Health Coverage
Navigating student health insurance doesn't have to be confusing. We help you compare your three main options to find the perfect balance of coverage and affordability.
Parent's Plan
You can remain on your parents' health insurance until age 26. However, exploring your own subsidized plan might actually uncover better local coverage and lower overall costs.
Compare Options →ACA Marketplace
Individual Marketplace plans may offer premium subsidies based on your own income rather than your parents'. Students who file taxes independently may qualify for reduced monthly premiums depending on eligibility.
Check Subsidies →School Plan
Many universities offer Student Health Insurance Plans (SHIPs) with access to campus clinics. Often required unless you can show other qualifying private coverage.
Compare Plans →Student Health Insurance Options
From short-term gap coverage to comprehensive marketplace plans, here are your best choices for health insurance as a student or young adult.
ACA Marketplace Plans
Individual Marketplace plans may offer premium subsidies based on your own income rather than your parents'. Students who file taxes independently may qualify for reduced monthly premiums depending on eligibility.
- Subsidies based on your income (not parents')
- All essential health benefits covered
- $0 preventive care and checkups
- Can use nationwide networks if you travel
- Open enrollment Nov 1 - Jan 15
Student Health Plans (SHIP)
Coverage offered directly through your college or university. Often required for enrollment unless you can prove you have other qualifying private coverage.
- Immediate access to campus health center
- Designed specifically for student needs
- Often includes robust mental health services
- Cost is simply added to tuition/fees
- May have limited provider network off-campus
Short-Term Insurance
Temporary coverage for gaps between plans — perfect for immediately after graduation while you are waiting for new employer benefits to start.
- Coverage lengths from 30 days to 12 months
- Enroll anytime (no open enrollment needed)
- Significantly lower monthly premiums
- Great safety net for generally healthy adults
- Customizable deductibles to fit your budget
Medicaid for Students
If you are a low-income student and your state expanded Medicaid, you may qualify for completely free health coverage — even if your parents have higher income.
- $0 premiums and minimal to no copays
- Eligibility is based on YOUR income alone
- Apply anytime (no enrollment period)
- Income eligibility varies by state and household size
- Available in states that have expanded Medicaid under the ACA
- Check your state's current eligibility guidelines at Medicaid.gov
Health Insurance for International Students
Studying in the U.S. on an F1, J1, or M1 visa? You will need compliant health insurance that meets your school's strict requirements and protects you from the notoriously expensive American healthcare system.
Plans designed to meet many common university waiver requirements. Waiver approval is determined by each institution individually — we can help you review plan details against your school's specific requirements.
- Full coverage for doctors, hospitals, and prescriptions
- Emergency medical evacuation & repatriation included
- Often much more affordable than school-sponsored plans
Visa Types We Cover
Compliant insurance for all student visa categories