Domestic Student Health Insurance Information
Let’s face it - health care is expensive. One significant injury or illness can affect your ability to keep up with your classes AND end up costing you a lot of money – especially if you don’t have health insurance. The federal Affordable Care Act has provided you with some options on getting health insurance coverage. Remember any enrolled students can use Student Health Services regardless of their health insurance coverage or health insurance carrier.
Please note – the information below applies only to domestic students. View information about health coverage for international students.
Understanding your options for health insurance coverage
There are several options for young adults when it comes to health insurance coverage. Consider which option will work best for you and your budget.
Getting or staying on a parent’s plan:
Are you under age 26? You may be able to get on a parent’s health insurance plan. Under the Affordable Care Act (ACA), your parents can add you to their health insurance plan and pay for the additional coverage. Your parents should check with their health insurance company or their employer’s benefit department.
Health Insurance plans for college students:
- Eligible students can purchase health insurance coverage through United Healthcare Student Resources (UHCSR). The Kansas Board of Regents has contracted with UHCSR to provide optional health insurance for all the Regents universities.
- It may be less expensive to purchase health insurance under this plan than what your parents have to pay to have you on their insurance.
- The UHCSR plan is currently the only health insurance plan accepted by Student Health
Services. This means we will file claims with UHCSR when you are seen in Student Health.
- Remember, you don’t need insurance to be seen at Student Health Services.
- You can be seen at Student Health Services no matter what insurance you have but we cannot bill insurance companies other than UHCSR. That means you will need to pay for your visit and then submit the receipt to your insurance plan for reimbursement.
- If you opt to purchase the UHSCR insurance, here are some additional resources that may be helpful.
Use the Health Insurance Marketplace to buy your own insurance plan:
- Kansas uses the federal health insurance marketplace or exchange found at healthcare.gov. Depending on your situation, you might be able to buy your own plan through the
- You can apply online through the healthcare.gov website.
- If you need help applying through the marketplace or have questions because of your specific situation, there are local marketplace Navigators and Assistors that can help you. Learn more about local resources for help
- One catch: If someone claims you as a tax dependent (like your parents), you can buy a plan through the Marketplace but won’t qualify for savings based on your income.
Get Covered or Pay a Fee!
- Under the health care law, you must have a plan that qualifies as minimum essential coverage or pay a fee on your next federal tax return. Coverage under your parent’s plan, the UHCSR student plan, or any health plan bought through the marketplace will meet the minimum essential coverage requirement.
- Learn more about the fee for not being covered.
Information resource is the HealthCare.gov website.