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Students are one of the biggest groups that struggle with maintaining health insurance. This problem will supposedly be addressed by the up coming changes in the American Health Care program; however these changes may take over a decade to institute. In the meantime it is important to realize the options that are available to students.Many first and second year college students are eligible to remain on their parents health insurance policies because of their age. As they age however, they may find that their parent’s insurance doesn’t want to cover them. Even when your family health insurance coverage will still cover these adult students it may still be advisable to look at other more cost effective health care options.Student health insurance is available to those who are enrolled in school both part time and full time and is usually available through most colleges and universities in the United States. Many times materials relating to student health insurance benefits are included in the initial paperwork that is handed to new students prior to enrollment.Some schools do not include health insurance options in their initial packets however, and if this is the case you may want to sit down and consult with your college advisor about health insurance options that may be available to you through the school or through other professional organizations. You may be surprised to learn about the available option for health insurance through the college years.Most students can pick up affordable health insurance because for the most part those who are college age tend to healthier overall as compared to the population as a whole. Being a lower risk group really helps and that is why many parents even those of college freshmen wind up switching over to student health insurance policies. These policies usually cover a student for all their needs and since they are based on the college or university that they are attending, most of the health care providers in the plan will be local to the school no matter how far away they go from home.