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As a student, your focus should be on your education—not worrying about unexpected medical expenses. Whether you’re in college, university, or a technical program, having student health insurance ensures you have access to the medical care you need while staying within your budget.
At Simbia, we help students find affordable, flexible health insurance plans tailored to their unique needs. Whether you need a temporary plan before transitioning to full-time work or a private plan to supplement your school’s coverage, we’re here to help.
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Many students assume they don’t need health insurance, but medical emergencies and unexpected illnesses can happen at any time. Here’s why having the right coverage is essential:
Many colleges and universities require students to have health insurance as part of their enrollment. If your school offers a plan, you may be able to opt out if you show proof of an alternative policy.
Without insurance, a simple doctor’s visit or urgent care trip could cost hundreds of dollars. More serious medical needs, such as surgery or emergency room visits, could leave you with thousands in expenses.
Having health insurance means you can stay on top of your health with routine check-ups, vaccinations, and screenings—helping you avoid larger health issues down the road.
College can be stressful, and many student health insurance plans include mental health services, counseling, and therapy to support students’ well-being.
If you’re studying out-of-state or abroad, your parent’s plan may not provide full coverage. Having your own policy ensures you have medical care no matter where you’re living.
Depending on your situation, there are several ways to obtain affordable student health insurance.
Under the Affordable Care Act (ACA), students can stay on a parent’s health insurance plan until age 26. This is often the most cost-effective option, but coverage may be limited if you attend school in another state.
Many universities offer student health insurance plans that provide medical care through campus health centers and local providers. These plans may be included in tuition or require a separate enrollment process.
Students who don’t have access to a parent’s plan or a school-sponsored plan can enroll in an ACA Marketplace health plan. Benefits include:
Private plans offer more flexibility than school-sponsored plans, with options for lower premiums, wider provider networks, and additional benefits.
If you need coverage for a limited time—such as during a gap year, summer break, or while waiting for job-based benefits—short-term health insurance can provide an affordable safety net.
Not sure which plan is best for you? Simbia can help! Fill out our form to compare student health plans today.
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Students have multiple opportunities to enroll in a health plan, depending on their situation:
For ACA Marketplace plans, Open Enrollment runs from November 1st to January 15th in most states. If you sign up by December 15th, your coverage will start on January 1st.
If you miss Open Enrollment, you may still qualify for a Special Enrollment Period (SEP) if you experience a major life change, such as:
If you don’t qualify for an SEP, a short-term or private health plan may be your best option until the next Open Enrollment Period.
The cost of student health insurance depends on factors like age, location, income, and coverage level. Here’s what to expect:
At Simbia, we understand that students need affordable, flexible, and reliable health insurance options. Here’s how we make it easy:
We gather personalized quotes from top insurance providers to help you find the best coverage at the lowest price and connect you with licensed insurance agents.
Many students qualify for low-cost ACA plans or subsidies based on income. We’ll help you determine your eligibility.
Our fast and secure platform connects you to licensed agents to compare plans and enroll in minutes—no complicated paperwork needed.
Have questions? Need help with renewals? Our team is here to guide you every step of the way.
College life is full of challenges—finding affordable health insurance shouldn’t be one of them. Whether you need coverage for the school year, a semester, or a short-term gap, Simbia is here to help.
We gather personalized quotes from top insurance providers to help you find the best coverage at the lowest price and connect you with licensed insurance agents.
At Simbia, we’re committed to helping students like you find affordable, flexible, and high-quality health insurance—so you can focus on what matters most: your education. Let’s get started!
Your insurance should not only fit your budget, but it should also give you as much coverage and offer flexible payment terms. It is rather hard to find plans that offer all of those. With us, we are going to make sure you get the best coverage at the best price.
Similar to when you shop online or otherwise, you always have options and it's you who's going to make the final call. It is advised to do some research and read through the agreement prior to signing the papers. Note that health insurance is not a simple purchase, but it's a commitment to your health and your family's health.
Be wise and always keep your options open. There are plenty of options and offerings out there. Be diligent, compare the terms and prices, ask your family and friends if they have some good recommendations. If possible, discuss with a licensed healthcare agent to make sure you get the best deals.
There are tons of health insurance agencies and networks who would want to do business with you. It is advised to go with reputable ones, to make sure you get the most out of your investment and that you won’t get ripped off.