Only instructors are able to purchase the group coverage health insurance offered by FS. As a student, if you want health insurance, its on your own dime. Do a google search for Blue Cross/Blue Shield. They have short term policies available, but if you need something longer than a few months, its tough to find that anywhere. I know, I've looked! Of course, some would argue that healthy youngsters don't need health insurance. Same reason why your policy is so low the younger you are...odds are you won't get sick.