Health care reform and student health plans
Thousands of college students receive coverage through student health insurance plans. The health care reform law stated that higher education institutions can continue to offer these plans. However, the law did not exempt these plans from any provision, nor did it specify whether these plans should be treated as group or individual health insurance coverage.
On behalf of several education organizations, the American Council on Education has asked the Obama administration to clarify how student health plans should be treated under health care reform. Until the administration clarifies the regulations, we will treat student health plans as individual plans for health care reform compliance. All health care reform requirements for the individual market will apply unless the plan meets the definition of a short-term limited duration policy. Federal regulations define short-term limited duration policies as "health insurance coverage provided pursuant to a contract with an issuer that has an expiration date specified in the contract (taking into account any extensions that may be elected by the policyholder without the issuer's consent) that is less than 12 months after the original effective date of the contract."
For more information, we see this fact sheet.