One thing about health care coverage: It never fails to leave you challenged and confused.

The latest evidence is that many colleges and universities are phasing out or scaling back their school-sponsored medical plans sold to students. Blame it mostly on escalating costs associated with the higher coverage requirements of health care reform.

These school-endorsed plans had offered low-cost but very basic medical coverage to students who for the most part did not have their parents’ employer-provided group insurance as a coverage option.

To complicate things even further, it’s unlikely that the premiums for school-sponsored health coverage will swing quickly in the other direction if the Supreme Court throws out some or all of the Affordable Care Act. That’s because policy contracts with schools are already locked in for the upcoming year.

If you’re in need of a fallback plan before sending your son or daughter off to college, start with individual insurance policies.

To read the full article in The Kansas City Star, please click here.