Just a few clarifications:
Stanford has and does offer health insurance for students. But post-graduation, student athletes aren't eligible to stay on those plans, and they are often more expensive than remaining on a parent's health insurance plan during (and after) college, so many do not use it.
University health plans are often less than fully generous, especially for catastrophic injuries. The NCAA does have a
supplemental catastrophic insurance, but it is itself limited and again, doesn't cover post-graduation expenses.
Many of these plans suffer from issues related to out-of-network treatment, which can be
especially problematic when an athlete is injured while at an away site. For those of you who follow WBB more generally,
the story of Sedona Prince is a case study in the failure to cover student athletes. I'm not sure exactly where the blame lies between UT, the NCAA, and/or USA Basketball, but the point is that w/o universal coverage for student athletes, these kinds of gaps in coverage do and will exist.
So to summarize: the one point for which I am fully sympathetic to protesting/organizing student-athletes is that their health insurance should not be school-dependent, should not be regionally in/out-of-network-dependent, should not expire at graduation, and should require them to go out of pocket for anything. If they put their mental and physical health at risk on behalf of their university, their university should fully cover the costs of risk associated with that, and those costs do not always curtail immediately upon graduation.