What You Need to Know About Campus Health Insurance


“The cost is coming down,” he said.

(Healthcare.gov, federal health insurance marketplace, offers guidance For college students seeking ACA coverage. Due to the pandemic, the special registration period for 2021 marketplace coverage has been extended until August 15.)

Fourteen states and the District of Columbia have their own marketplaces and their deadlines vary. But if you miss a deadline, if you’re going to college, you’ll likely qualify for a special enrollment period, said Ms. Collins.

Mental health of university students, increased anxiety. John Dunkle, senior clinical director of higher education at the Jed Foundation, which works to prevent suicide among teens and young adults, said families should carefully check the details of behavioral health treatment coverage, including counseling.

He said that due to state licensing rules, out-of-state students going to college may not be able to receive remote therapy from their regular counselor, even if they participate in virtual care from home during the pandemic. Mr. Dunkle said that parents of students with known mental health problems can contact campus counseling centers during the summer to schedule care when the term begins.

“It’s great to have a provider at home,” he said, “but arrange a provider at school.”

Some colleges allow students who receive a financial aid package to cover health premiums, but others may not. Check with your college’s financial aid office to be sure.

Here are some questions and answers about university health insurance:

Students must usually file a request for a waiver of college coverage and submit a copy of their insurance card by a date that is usually in the summer or early fall semester. “You can’t waive after the deadline,” said Brendan Williams, senior consulting director at uAspire, a nonprofit group working to make college more affordable. So be sure to check your bill to avoid getting coverage you don’t need. Many colleges bill students in the fall for the fall and spring terms.

Generally, you must submit a waiver request each year you enroll.

Marks of Academic HealthPlans, if your student is covered by another health plan besides a college plan, the campus plan will usually pay for any care the student needs, while the other plan will pay as secondary coverage.


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