Student Health Insurance Plans
The Kaiser Permanente student medical insurance program is offered at 11 colleges. Some universities offer specialized benefits and pricing on KP health plans for their attendees. To qualify, you have to be a full-time student attending any of the schools listed below.
I attend one of the colleges below: Click here
I do NOT attend one of the colleges below: Enter ZIP & Click "GO"
- Alliant International University
- American College of Traditional Chinese Medicine
- California Northstate College of Pharmacy
- Claremont School of Theology
- Dominican University
- Graduate Theological Union
- Mills College
- The Wright Institute
- Whittier College
- Whittier Law School
- Many of these do not accept student health insurance applications until open enrollment, which is usually one month before the start of the school term.
- Masters Degree and Graduate students often qualify for these college health insurance plans.
Only one type of healthcare plan is offered at each university. The coverage option is either a copayment or deductible type policy. Rates vary between colleges; however, student health insurance quotes will be the same for each person at the school, regardless of age. On the average, the premium for a person who is eligible for the Kaiser Permanente Student Health Insurance Plan is substantially lower than the rate for a comparable individual health insurance policy. Coverage applies during the school term; benefits are diminished during breaks and observed holidays.
What if I don’t attend one of these colleges?
If you do not qualify for one of the student health plans above because your university is not listed or you are a part-time or a non-student, you have two potential options:
- Individual Coverage: Consider applying for one of Kaiser Permanente’s regular individual health plans. There are a variety of options for college students who need to watch their budget. Enter your ZIP code and click "GO" to view rates.
- Group Coverage: Another option would be group insurance. If a parent is insured under their employer’s medical plan, their young adult may be eligible to enroll as a dependent. In the past, children were required to be full-time students to qualify as dependents on a group plan, but now, this is no longer a requirement. For Kaiser Permanente business policies, children up to age 26 can be added during the group’s open enrollment period or outside of open enrollment if there is a qualifying event, such as loss of coverage.
What plans do you recommend for my healthy, young adult child?
College students and healthy, young adults who mainly need affordable basic medical coverage often choose health insurance plans with medium to high deductibles, usually ranging from $1,500-$5,000. Consider this type of coverage if you want an inexpensive monthly premium. Due to Health Care Reform, preventive care is free on these medical plans. Some of these policies also include first-dollar benefits for some of the most commonly used services such as office visits and prescriptions.
If you are a parent who is helping your college kid with healthcare expenses, you might look at one of the HSA (“Health Savings Account”) Deductible Plans. These insurance policies allow you to open an HSA bank account, which your child can use to pay for medical or dental expenses. The health savings account feature gives your child added protection and convenience, while giving you greater peace-of-mind. Under the HSA plans, your young adult would be required to pay full price for doctor visits and prescriptions before the deductible is reached; however, he/she could use the HSA debit card to pay for these expenses.