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Student Health Insurance

When you’re a student, you have a lot to worry about like the deadline for your next paper or the final you have coming up. Probably one of the last things on your mind is health insurance. The bad news is you really should start thinking about health insurance sooner rather than later. The good news is that as a student, you have a wide variety of affordable options available. But how do you choose? Read about a few of your options below to help decide which one might be best for you.

Under 26

If you are under the age of 26, you can stay on your parents’ health insurance until your 26th birthday. Once you turn 26, you qualify for a special enrollment period and have the option to enroll in a plan through the Health Insurance Marketplace.

Student health insurance provided through your college or university

Many colleges and universities offer their own health insurance plans to students. Premiums can often be lumped with your other expenses such as tuition and room and board. This means your student loans can be used to cover the cost. Make sure you examine any plans offered by your school carefully. They may have significantly limited coverage compared to a plan you might find in the Marketplace.

Health insurance through the Marketplace

As a student, you are probably working hard at your studies and not at a full-time job. If your income is low, you can likely qualify for government assistance to help cover the cost of a health insurance plan through the Marketplace. When you shop for a plan through the Marketplace, you can get tax credits that help lower the cost of your annual premium. This can help make the cost of a plan more within your reach.

To learn more about the plans offered through Humana and find out if you qualify for financial assistance, visit our Quote page.

Catastrophic coverage

Another option available to anyone under 30 is purchasing a “catastrophic” health plan. These types of plans have low monthly premiums and high deductibles. It is important to note though that you cannot receive financial assistance when you enroll in a “catastrophic” health plan. Some preventative care is covered at no cost but typically you will pay for most of your health care out-of-pocket until you reach your deductible. If you have a lot of medical expenses in a year and you think you might qualify for assistance, it might still be cheaper to get a plan purchased through the Marketplace.

Skipping health insurance altogether

Currently, under the Affordable Care Act (ACA), you could be subject to a penalty for not having health insurance. However, as a full-time student you may not be earning enough income to file taxes and you may not trigger these penalties. That doesn’t necessarily make it a great idea to just go without it. You have to weigh the benefits of having a health insurance plan, such as the security it provides in cases of unexpected medical expenses, with the cost of coverage. There are many affordable options available to students so it is best to be informed about all your choices before you make a decision about skipping coverage. To learn more about the ACA and how it may impact your choices, visit our Health Care Reform page.

A bright and healthy future

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Common healthcare terms defined

From abrasion to X-ray, the Humana glossary explains common insurance and medical terms.

Browse our healthcare glossary

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