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I might be misunderstanding this chart, but it appears the author is saying that by enrolling for the minimum number of credits, you will receive the associated insurance for free. For at least one university listed -- Penn State -- that is not true. You must also purchase the insurance plan.

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No, you also have to opt-in and pay the annual premium.

This is included in the cost calculation (see notes section at the bottom for details).

OK, I did misunderstand. The numbers make more sense now. I believe step 3 "enroll, get that cheap insurance" should make this a little more clear. (It's not just the act of enrollment that gets you the insurance.)

This is a good point, and also kind of an unintentional pun since enroll could refer to either enrolling in school or enrolling in the healthplan.

Some (many?) schools you are enrolled automatically to the healthcare plan unless you opt-out.

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