Because student health plans are subject to the ACA’s individual market rules, the coverage requirements in the Families First Coronavirus Response Act apply to student health plans. This means they’re required to fully cover COVID-19 testing (with no copay, deductible, or coinsurance) through the end of the COVID public health emergency, just like any other individual market health plan (the public health emergency is will end on May 11, 2023).
And they’re also required to fully cover the cost of COVID-19 vaccines. (Note that health plans are only required to cover COVID testing through the end of the COVID public health emergency, but will continue to have to cover the cost of COVID vaccines even after the public health emergency period ends.)
COVID-19 treatment (as opposed to testing or vaccines) generally falls under the umbrella of essential health benefits, which means it’s covered but the plan can impose its regular cost-sharing requirements (copays, deductible, coinsurance).