Determining insurance requirements for college students is complicated. There are so many unique circumstances that it is impossible to give a simple answer to that question. Let’s look at the following examples: Ashley’s parents live in Seattle, and she will be going to school in San Jose. She will be living on campus, does not have a car, and doesn’t get sick very often. Her parents’ health insurance can provide coverage until she turns 26, and her university also offers health insurance. Mark will be going to an in-state school. He will live off campus, will take his car to college, and tends to get sick a lot. His can stay on his parents’ health insurance until he turns 26, and his small college does not offer a health insurance plan to students.