The Best Health Care Plans For Students In 2025

Are you a student trying to figure out which health care plan fits your needs in 2025? Let’s take a look at some of the best health care plans for students this year, along with what makes each option worth considering for your peace of mind.

UnitedHealthcare Student Resources

UnitedHealthcare continues to be one of the most common choices for students nationwide. Many universities partner directly with them, making enrollment simple. Their plans usually include preventive care, emergency services, mental health benefits, and prescription drug coverage.

One standout feature is their vast provider network—so if you travel often between home and school, you'll still have access to in-network doctors. They also have 24/7 telehealth services, making it easy to connect with a doctor for quick advice.

Blue Cross Blue Shield Student Blue

Blue Cross Blue Shield (BCBS) has built a reputation for flexibility. With “Student Blue,” students often get access to a wide range of providers and hospitals across the country.

These plans typically include preventive care, lab services, hospital coverage, and mental health counselling. Many schools favour BCBS because of its reliable coverage and affordability. Students studying abroad can benefit from BCBS's international assistance programs, which help with emergencies overseas.

Kaiser Permanente Student Health Plans

Kaiser Permanente is well-known for its integrated care system—meaning that doctors, labs, and pharmacies are all connected. For students who prefer having everything in one place, this can be very convenient.

Their student plans usually cover preventive services at no cost, along with affordable mental health therapy. With a strong focus on wellness, Kaiser also offers apps and online tools that help students track health goals, get virtual care, and refill prescriptions easily.

Aetna Student Health

Aetna is a favourite among many universities for its balance of affordability and coverage. Their student plans often include wellness programs, mental health counselling, maternity care, and prescription benefits.

They also provide 24/7 nurse lines, which can be a lifesaver when you’re unsure whether to head to urgent care or wait for a clinic appointment. Aetna’s plans are accepted widely, making it easier to find care both on and off campus.

Cigna Student Health Insurance

Cigna is powerful when it comes to global coverage. If you're planning to study abroad or are an international student in the U.S., their worldwide network makes health care access more seamless.

Cigna’s plans cover preventive services, emergency care, hospital stays, and prescription medications. Students who value digital convenience will appreciate their telehealth services, wellness apps, and round-the-clock customer support.

Anthem Student Advantage

Anthem's student health insurance is designed to work well with university health centres. Plans usually include preventive care, urgent care visits, hospital coverage, and mental health services.

Students on tight budgets will find Anthem's pricing competitive compared to other providers. The company also emphasises mental health, with strong teletherapy support and easy access to licensed counsellors.

Humana Student Health Plans

Humana offers student plans in select states, but they’re a strong option where available. Their plans often include preventive care, prescription coverage, and emergency services.

One of Humana's strengths is personalised wellness programs. They encourage students to engage in healthy living through apps and incentives. For those who prefer digital health management, Humana's online tools simplify tracking appointments, coverage, and spending.

International Student Insurance (ISI)

For international students in the U.S., International Student Insurance (ISI) provides specialised plans tailored to visa requirements and everyday student needs.

These plans cover doctor visits, hospitalisation, mental health support, and even sports-related injuries for those who play at the intramural or club level. ISI also makes the enrollment process easy, especially for students who might be navigating the U.S. health system for the first time.

Geoblue Student Health Plans

GeoBlue is another strong option for students studying abroad or international students coming to the U.S. Their plans focus heavily on global coverage, emergency services, and international provider networks.

GeoBlue offers translation services, emergency evacuation, and mobile apps for finding local doctors worldwide. For students travelling to multiple countries during their academic journey, this level of coverage can provide peace of mind.

School-Sponsored Student Health Plans

Many universities offer their own sponsored health plans. While these are often backed by providers like Aetna, BCBS, or UnitedHealthcare, the pricing is negotiated directly with the school, which makes them competitive.

School-sponsored plans usually integrate with on-campus health centres, making it easy to get routine care without extra cost. They often meet Affordable Care Act requirements and are tailored to the needs of student populations.

Molina Healthcare Student Options

Molina is best known for affordability. While it’s not available everywhere, in states where Molina operates, students can find low-cost plans that still cover preventive care, urgent care visits, prescriptions, and telehealth.

For students on a very tight budget, Molina often has some of the most cost-friendly options. Their strong emphasis on community clinics also makes it easier for students to access nearby providers without high out-of-pocket expenses.

Oscar Health Student Plans

Oscar is a newer player but has quickly gained popularity with students who prefer tech-driven solutions. Their plans focus heavily on digital access, with features like free virtual visits, an easy-to-use mobile app, and step-based rewards programs for healthy living.

Oscar plans usually include preventive care, urgent care, hospital coverage, and mental health support. Students who like managing their health digitally will find Oscar’s platform intuitive and modern, making it stand out from many traditional insurers.

Choosing The Right Student Health Plan In 2025

Selecting the right health care plan comes down to a few key questions. How much can you afford in premiums each month? Do you need strong mental health coverage? Will you be travelling often, either domestically or abroad?

For students who stay close to campus, a school-sponsored plan might be the easiest and most affordable choice. For those who travel or study internationally, providers like Cigna, GeoBlue, or ISI may offer the flexibility you need. And if you want digital access and strong preventive care support, UnitedHealthcare or Kaiser Permanente could be ideal.

Whatever you choose, the best plan is one that gives you peace of mind while you focus on your studies. Health care doesn’t have to be confusing—once you compare options and consider your lifestyle, the right plan for 2025 will stand out.