As you might have noticed by now, I listen to a lot of National Public Radio. 
And I recently heard yet another really interesting story for college students.
Check out the link above for details — apparently lots of college students are paying for health insurance through their college or university, even if they are already covered under their parents' private health insurance.
The costs are often wrapped into the overall university bill, and aren't always easy to spot. The parent in the story found out health insurance through her son's college was costing over $1,000 per semester, and she didn't even realize she was paying for it.
This isn't true of all colleges. I quickly glanced at the Web site for the university my stepdaughter attends, and it appears that health insurance can be purchased through the college, but it is not automatically billed. It also appears that they will file to private insurance any claims not covered by the discounted Student Health Services.
Good news for me. But it's definitely something worth looking into for you and your parents, if you're not sure of your school's policy.
Another thing to point out from the story - if your child opts out of the school's insurance, they may not be able to be cared for by the nurse/urgent care on campus since some only bill to the insurance company that the school uses. That may just mean that they have to go off campus for care, but if your child lives on campus with no car, that could be a problem!
Great post. I found out after I graduated that I was indeed paying double for health insurance. Made me feel like a fool. Great information.