The United States Department of Health and Human Services (HHS) is a Cabinet department of the United States government with the goal of protecting the health of all Americans and providing essential human services. Its motto is "Improving the health, safety, and well-being of America".

1. Plans provided by a college or university through a health insurance company. (This excludes health insurance plans for students that are self-funded by the college or university.);
    
2. Plans that are only available to students enrolled in the college or university sponsoring it, as well as their dependents; and
    
3. Plans that are available to students regardless of their health status. 

• No Lifetime Limits on Coverage: Insurance companies would no longer be able to impose lifetime dollar limits on the amount they spend on health benefits in student health plans.

• No Arbitrary Rescissions of Insurance Coverage: Insurance companies can no longer drop coverage when student health plan enrollees get sick because of an unintentional mistake on an application.

• No Pre-Existing Condition Exclusions for Students Under Age 19: Insurance companies cannot deny or exclude coverage for students under age 19 because of a pre-existing condition.

The debate about child-only health insurance policies continues. Recently, HHS sent a letter to the president of the NAIC clarifying what insurance companies and states can do to stabilize the child-only insurance market.