Best Student Health Insurance Plans of 2025
We evaluated the top health insurance options for college students on premiums, coverage comprehensiveness, network access, and mental health benefits.
5 items ranked · Last reviewed January 2025
UnitedHealthcare StudentResources
The most widely accepted student health plan at US universities
UnitedHealthcare StudentResources serves more college students than any other insurer. Their deep university partnerships mean seamless enrollment, coordination with campus health centers, and a national network that covers students whether they stay near campus or travel home.
PROS
- ✓Partnered with 1,000+ universities — seamless enrollment through student portal
- ✓Strong mental health coverage including telehealth and counseling
- ✓Access to UnitedHealthcare's massive national provider network
CONS
- ✕Premium varies significantly by school — check your school's plan specifically
- ✕Out-of-pocket maximums can be high for lower-tier plans
Aetna Student Health
Strong mental health benefits for the college years
Aetna Student Health's exceptional mental health benefits make it the top choice for families who prioritize counseling and behavioral health support — a crucial consideration given that 1 in 3 college students report significant mental health challenges.
PROS
- ✓Exceptional mental health and behavioral health benefits
- ✓CVS MinuteClinic integration for convenient same-day care
- ✓Strong telehealth through Teladoc for off-campus students
CONS
- ✕Network access can be more limited outside major metro areas
- ✕Prescription formulary varies by plan
Blue Shield Student Health
Comprehensive coverage for California college students
For students attending California universities, Blue Shield offers the densest provider network and the strongest campus health center integration. The Covered California marketplace also makes it a natural choice for California students staying on parent coverage.
PROS
- ✓Best-in-class coverage in California — dense provider network
- ✓Strong preventive care and wellness benefits
- ✓Good integration with UC system and CSU campus health centers
CONS
- ✕Primarily serves California — limited for out-of-state students
- ✕Premium costs can be higher than national plans
Cigna Student Health
Global coverage for students studying in the US
Cigna's global network makes it the go-to recommendation for international students studying in the US or domestic students who travel frequently. Their virtual care options are particularly useful for students who move between home and campus regularly.
PROS
- ✓Excellent global coverage — best for international students studying in the US
- ✓Virtual care through MDLive for 24/7 access
- ✓Strong prescription drug formulary with mail-order option
CONS
- ✕Premium pricing relative to competitors for domestic students
- ✕Network density lower than UHC in some rural areas
University-Sponsored Plan
Often the most convenient and campus-integrated option
Your university's own health plan, typically administered through UHC or Aetna, is often the most seamless option for students who heavily use on-campus health services. Before waiving it for a private plan, calculate whether the on-campus convenience and mental health services justify the cost.
PROS
- ✓Fully integrated with on-campus student health center visits
- ✓Enrollment handled automatically through university portal
- ✓Often includes mental health sessions at the campus counseling center at low/no cost
CONS
- ✕Coverage quality and cost varies dramatically between schools
- ✕Often limited network outside the immediate campus area