If as a college athlete you don’t expect to make enough money from the Name, Image, and Likeness (NIL) rule to cover your own health insurance, don’t expect the NCAA to be picking up the tab. All college athletes are required by the NCAA to have healthcare insurance. The NCAA does not mandate colleges to pay the healthcare costs for athletes. Should a player be injured, the parent’s insurance is considered the primary insurance for paying for the athlete’s injury costs. This shouldn’t come as a surprise since the term “student-athlete” was created so that colleges wouldn’t be held liable for sports related injuries.
Who Pays for a College Athlete’s Health Insurance and Medical Care?
With all the pressure on high school students to create a perfect college list, they really aren’t given the opportunity to develop the skills to do so. It’s the sort of situation that most students will do only once. How often can you “practice” deciding which colleges to apply to? It’s not the same as practicing taking the ACT or SAT. How do you learn to create a list of colleges to apply to?
I’m always amazed at how little players and their families know about athletic scholarships. Given that most of them have been justifying playing their sport for the chance at a college scholarship since middle school, you would think they would be better informed. Depending on the sport and division, scholarships can be very limited. It’s kind of like someone planning a trip to Europe and not realizing they need a passport for traveling. Yes, some of the stuff people are missing is pretty basic.
