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If a student doesnпїЅt already have insurance or is too old to be insured by their parent, there are health insurance for students that is meant specifically for those who are young and in school and generally healthy. While you hope that you will never have to use your health insurance, as a student itпїЅs always better to have the coverage that you donпїЅt need rather than need the coverage that you donпїЅt have. insurance for students If a student has always been insured by their parent, in most cases the student can stay on their parents insurance as long as they are in college. If a student has always been insured by their parent, in most cases the student can stay on their parents insurance as long as they are in college.