Why College Students Need Health Insurance

Why College Students Need Health Insurance

When it comes to health in the United States, or anywhere in the world for that matter, your late teens to mid-twenties are supposed to be the peak of your physical existence. At no point in a human being’s lifespan is their immune system, organs, joints, muscles, and bones in better condition than at these ages. But typically, these are also the years that the majority of young adults self-inflict mental and physical stress that take a toll on the body. For many people this age, this is the years will they will spend time bettering themselves at universities all around the world, gaining knowledge and forging new perspectives on the world we live in. But, time spent in college also comes at a price to one’s health. During this time, college students will experience stress, sleep deprivation, exposure to new germs from classmates from all over the world, and at times eat poorly or abuse substances. These stressors can lower a college student’s immune system and cause them to succumb to illnesses that they might not have otherwise fell victim to, illnesses that will cause them to miss out on school and study time that could ultimately take a toll on their success. 

For many college students, the hustle and bustle of life at university can be a bit much to handle, between a full schedule and forming relationships with classmates; the constant motion begins to take its toll. High-stress classes can lead to long hours of studying late at night that roll into early morning classes causing sleep deprivation, lowering the body’s immune system and its ability to fight off foreign germs or viruses. If not attended to, this poor sleep pattern could lead into the weekend where students are more likely to engage in excessive drinking or smoking, which is usually followed by the consumption of low nutrient junk food, furthering their inability to fight germs.  

This lowering of the immune system walls opens students to the cold and flu. Those students who are active leave themselves vulnerable to excess and unnecessary injuries that could have been avoided with proper self-care.  These avoidable injuries and illnesses cause students to miss class, losing out on being able to turn in assignments and ultimately hindering their success. In worse cases, these ailments could go on to lead to more serious problems. Flu’s and colds can develop into pneumonia, and the accumulation of unattended injuries can lead to physical issues later in life.  

The problem is, most college students simply can’t afford healthcare that isn’t provided by the student health center on campus, either due to a complete lack of coverage, or a high deductible or a high copay under their parent’s insurance. And in times when they do try to use their parent’s insurance, many of them are left to find an in-network provider and cover the cost of the medical visit on their own for the first time. What could be worse is if they resort to visiting the emergency room, where they can rack up ridiculously high bills for ailments that could’ve been treated more affordably.   

That’s where the plans offered by Hooray Health can help. Hooray Health’s Basic and Plus plans have a low monthly premium and provide members access to over 3,500 urgent care and retail clinics in over 46 states in the U.S. These plans cover a majority of basic medical needs and even not so basic needs like treating broken bones and providing minor surgeries. A $25 copay takes care of your visit with no surprise balance bills while using an in-network provider and when you need a prescription, you can use our mobile app to find the lowest priced prescriptions near you. What’s even better is when members can’t make a trip to one of the in-network providers, they offer a telemedicine that you can contact right over the phone. This team of medical professionals can consult and diagnose you right over the phone, calling in your prescription as needed, no copay required.  Companies like Hooray Health are demonstrating how to deliver the best healthcare possible at a reasonable rate by shedding light on the follies of primary insurance providers, making healthcare accessible to everyone. 


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A Note from CEO Shane Foss

“Hooray Health’s ancillary benefits are designed to enhance employee care with the coverage that matters most. Instead of breaking the bank on expensive and unnecessary options, Hooray puts employee needs first at the lowest cost possible. It’s the best way we’ve found to support average Americans afford quality care.
If you’re curious about how Hooray Health can support your team, click the link below and you can set up a call with Christopher White, our Director of Strategic Consulting, for a brief introductory call.”