A couple things.

in the United States, you are guaranteed coverage on your parents insurance until the age of 25. However, this could change at any time since this was an Obama thing and certain people want to get rid of certain aspects of the health care bill

Also, most universities require you pay a health fee every semester or quarter. Most people are unaware they even pay these fees because they are often lumped in with a bunch of other fees. Check and see what kind of health fees your university has. With these fees you have access to basic medical care, family planning, counseling, preventative care as well as reduced cost entail and vision. Check with your university's health center to find out what they have available on campus and what is available off campus to students.