Health insurance is a state issue. What is required to be covered is a state matter (other than the ACA requirements) and the premiums are also approved state by state.
I also had two kids at schools in different states. Both were easy to waive the insurance but just opting out. For one kid, we did opt out because she was about 40 minutes away from medical care under my plan, but the other one we paid the $1800 or so for coverage because she played a sport and I was afraid of an injury. The only thing she ever used it for were birth control pills and several flu/strep tests.