I don’t believe it is a requirement for universities to offer health insurance, or students to be on a health plan of sorts. At least here in the United States. However, most schools offer some sort of health insurance to students for an affordable cost (most can also be billed to their student account.) Unfortunately, my particular school doesn’t offer any form of affordable health insurance any more, likely due to the sweeping budget cuts that happened last year. I looked into health insurance outside of the university and it was way too expensive. The monthly cost of health insurance would be more than I used to make in a month… and that was the “cheapest” plan.
My university does have a counseling center that is staffed by professionals. I’m actually meeting with them this Thursday. Unfortunately, I also know that the counseling center will usually only see students two or three times before referring them to another service (usually one off-campus) due to their limited staff. But IIRC they can make certain special exceptions to that rule, which they may be able to do until I can find someway to get help off campus - especially since the depression is affecting my performance in the classroom.
I think another priority is to get a job, as that is a huge contributor to my depression/anxiety right now. I have family breathing down my throat to get a job. I have bills to pay and food to buy, but no income. Unfortunately, my depression has made it somewhat difficult to even complete applications. And I haven’t received a single callback since I started submitting applications. 