Image: Art Pets Photography under CC 3.0
Student health insurance is generally helpful to the majority of college and university populations, who are young and healthy. However, sometimes it’s not sufficient.
It may not cover everything you need. For example, insurance might only cover the partial cost of treating accident-related or athletic injuries. With the high-deductible health insurance plans often targeted towards this demographic, they may have to chip in with thousands of dollars they are unlikely to have.
When it comes to health insurance, the options marketed towards students are far more likely to have annual and lifetime benefit limits. Healthcare reform will ban this practice, but that will take time to fully implement.