As a college student, you probably haven't given much thought to a medical plan. Hopefully, your medical needs have been provided for by your family. As you get older and assume more responsibility for yourself, you must recognize the need for a medical plan as one more aspect of adult life that requires thoughtful consideration.

Being a student provides you with many options in medical plans. You can stay on your parents' plan, take advantage of the COBRA healthcare program, or you can pay for short-term or long-term coverage yourself. Being young and healthy, you may feel that cheap student health insurance is unnecessary, but you couldn't be more wrong.