All across Massachusetts, local universities are implementing a new system of student health care and it is having devastating affects upon hard-working students. The new plan replaces co-payments with “co-insurance” – which forces students to pay 15 or even 35 percent of the full costs of medical services, making access to needed care unaffordable for many of our students. Because co-insurance penalizes those who use the most medical care, it will have a devastating impact on students with chronic illnesses, women, those who require emergency treatment, and low-income students.