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Secure> STM
Health Insurance for Students
The American College Health
Association has recommended that all universities and
colleges require that students demonstrate adequate health
insurance coverage or adequate financial resources to pay
for expected and unexpected medical expenses as a condition
of enrollment.
Many other institutions of
higher education also recognize the importance of students
having access to the full healthcare system. Most private
colleges and universities already require health insurance,
and there is a recent trend among public institutions to
move in a similar direction.
Reasons for Requirement
For the last decade, young adults have been the
population group at greatest risk of being uninsured or
having gaps in their insurance coverage. Some students are
uninsured "by choice".
These students actively choose not to enroll in health
insurance plans because they do not perceive health
insurance to be necessary, affordable, a good buy, easily
obtainable.
Some argue that students
are more likely to lack health insurance because they feel
"invulnerable" and therefore do not need health insurance.
These mistaken stereotypes
of young adults have created concern among many college
health professionals.
Failure to have adequate
health insurance may cause students to defer care for
medical problems until they have advanced to a more serious
and potentially more costly problem to treat. If the problem
is a communicable disease, this also presents a public
health risk to the entire campus population.
Learn More About
The Program >>
 Frequently Asked
Questions
Covered Expenses
Exclusions and
Limitations
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Sample
Policy
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