Student Health Insurance - Is It Necessary?

Student Health Insurance - Is It Necessary?

As a young, healthy college student, it might be tempting to forgo the expense of health insurance. After all, you're young, you're careful and you're not sick. You don't really need health insurance, do you?

Absolutely, say most colleges. In fact, there's a growing trend among colleges and universities to require health insurance for all enrolled students. According the health officials, the very things that make dorm living and college so much fun for college students are the perfect place for viruses and other illnesses to spread like wildfire through an entire dorm. Doctors' bills, equipment costs, prescription costs - even just the costs associated with a simple outbreak of the flu can run into several hundred dollars. It's not unusual, they say, for an undergraduate student to find themselves stuck with medical bills totaling several thousand dollars from one illness or injury. In many cases, these bills are absorbed by the university itself through its medical clinic.

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