Do most colleges offer good health insurance to students?

For example, I attend to 4 year university which has health insurance packages for students, but they are very expensive and I can't afford. The coverage is up to 100, 000 and deductible $300 and after that 80% coverage. I found out that private individual plans in area near my college for the cost nearly the same offer greater coverage like $1 million and $250 deductible and 100% coverage. I thought that health insurace offered by colleges are cheaper but aren't always.
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That sounds about like what most schools offer, if they offer anything at all (not all do). Generally, they offer coverage with high deductibles and less than 100% coverage because that makes the premiums cheaper. Most students can't afford better coverage, or else they don't think they need it (when you're young you tend to think you're immortal), so they can't or won't pay for better coverage. If you've found a better plan that you can actually get, and it's comparable in price, then go for it. You lucked out--not everybody can qualify for an individual plan, or afford it.
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