Health insurance noodling

Rachal and I are trying to figure out the most fiscally useful way to keep her insured.

We've been reminded that state universities offer health coverage of sorts to their students, and will be calling around comparing their cost/coverage ratios to the state risk pool insurance that's really her only other option.

My question is, for any Texas folks with information -- what's to keep, well, anybody from paying a couple of hundred bucks a semester to take one class while reaping the rewards of the health care program? Seems there's got to be a catch, and someone may have done some of the research ahead of me.

If not, and if there's any interest expressed by my readership, I'll post what I find here.