With all the things you have to pay for in college, paying for health insurance as a student is probably last on your list. But what’s last on your list could be the first thing to put you at serious financial risk. Think about this - if your currently without health insurance while attending your university, just one knee injury could easily cost you up to $12,000 or more!

That’s why individual health insurance for college students and graduates is available at affordable costs.. If you are a graduate student, and are attending an accredited college or university, you maybe eligible to apply for an individual health or medical insurance plan with coverages best suited to a Student.

Individual plans are best for college students if you find yourself in one of the following situations:

Are You no longer eligible for coverage under your parents’ health plan? Most health plans will now cover students to age 26 and no longer require you to have college credit hours to qualify.

Does your college or university require coverage but you find the college-sponsored plan inadequate? Many college or university plans offer health and medical “bare bones” benefits with coverage that may not be enough to give you financial security against large, unexpected expenses.

Do you attend school outside an HMO or PPO region? Restrictions on coverage outside HMO or PPO service areas may leave you with inadequate protection.

Is your current student health or medical coverage too expensive? Traditionally,individual major medical plans can be much more cost effective for a student, especially if you just add an accident rider coverage to the plan to offset injury related cost leaving only major sickness as an exposure to your deductible. This is the cheapest way to keep cost down while maintaining affordable costs. The cost to include a student on an employer’s health medical plan as a dependent can be very expensive.