KBenefits Insurance Services
Health Insurance & College Students

Health Insurance and College Student

Health insurance is an important consideration for college students to ensure they have access to necessary medical care and protect against unexpected health expenses. Here are some key points for college students to know about health insurance:

  1. Student Health Insurance Plans (SHIPs): Many colleges and universities offer their own health insurance plans for students, known as Student Health Insurance Plans (SHIPs). These plans are specifically designed for students and may offer comprehensive coverage for medical services, prescriptions, mental health services, and preventive care.
  2. Dependent Coverage: If you are a college student and still covered under your parent's health insurance plan, you may be able to stay on their plan until you turn 26, thanks to the Affordable Care Act (ACA). This can be a cost-effective option for many college students, as it allows them to remain on their parent's plan and continue to access the same coverage they had prior to attending college.
  3. GetCoveredNJ/Marketplace Plans: If you don't have access to a SHIP or are not eligible for dependent coverage, you can also explore health insurance options through GetCoveredNJ/Obamacare. The Marketplace is a service that helps individuals find and enroll in affordable health insurance plans. Depending on your income, you may qualify for subsidies that can help you lower your monthly premiums and out-of-pocket costs. Contact KBenefits for more information.
  4. NJFamilycare/Medicaid: Depending on your income, you may be eligible for NJFamillycare/Medicaid, a state and federal health insurance program for low-income individuals and families. Visit NJFamilycare for more information.

In summary, health insurance is an important consideration for college students, and there are various options available, including SHIPs, dependent coverage, GetCoveredNJ plans & NJFamilycare/Medicaid.  Your health insurance options, terms, and prioritizing preventive care can help you make informed decisions about your health coverage while you're in college.


Contact us for advice, navigation, plan options & free enrollment assistance.

Christopher S. Kudryk

KBenefits Insurance Services
Employee Benefits

Individual Health Insurance
Medicare Plan Options


Christopher S. Kudryk
Insurance Specialist

KBenefits specializes in health, dental, vision, life and medicare insurance for employers and individuals in NJ & NY.

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