Accept that's for a policy that has a $5,000 deductible and a $3,500 coinsurance maximum out of pocket expense. So basically your looking at a fee of $8,500 for any real injury. Well as a college student $8,500 mind as well be $850,000, a student would likely have no choice but to declare bankruptcy to wave the debt. If he does that there is no point in having insurance at all. Even your standard middle class American would have a hard time coming up with $8,500 to pay a medical bill, I don't know many middle class people who have a family to look over that could afford such a bill. So the obvious answer is to get a policy without coinsurance and a low deductible, but than comes the $375 starting premium, and thats if your young and healthy.