Health insurance provides access to necessary care. Whether you're staying on a family plan, enrolling in student health coverage, or choosing your own insurance for the first time, understanding your options can help you make informed decisions. This page provides an overview of health insurance basics, common coverage options for students, and resources to help you find the best plan for your needs. Connect with your healthcare provider for support.

• Preventive Care – Check-ups, vaccines, screenings, and wellness visits.

• Emergency Services – Hospital visits, urgent care, ambulance services.

• Mental Health Care – Therapy, counseling, and psychiatric services.

• Prescriptions – Medications prescribed by a healthcare provider.

• Specialist Visits – Dermatologists, gynecologists, physical therapists, etc.

• Hospital Stays & Surgeries – Inpatient and outpatient medical procedures.

Your premium is the amount you pay monthly for your health insurance plan, while your deductible is the amount you must pay out of pocket before your insurance starts covering costs. Some plans also have a copay, a fixed amount you pay for services like doctor visits or prescriptions. Coinsurance is the percentage of costs you’re responsible for after meeting your deductible. For example, if your coinsurance is 20%, you pay 20% of the bill, and insurance covers the remaining 80%. Lastly, your out-of-pocket maximum is the most you’ll have to pay in a year before your insurance covers 100% of eligible costs.

• How to Choose the Best Plan For You

• Health Insurance Marketplace

• Health Plans Through the College/University

• Medicaid & State Health Programs

• Stay on a Parent’s Plan (Affordable Care Act)