From my knowledge there is no college or university that is offering healthcare for athletes after they have graduate or dis-enrolled from school (the key being after their college playing career). My idea was to offer healthcare for those after they have graduate from the school for specific period of time (for example: 4 years). The idea was based on articles that I have read and people that I actually know that are dealing with medical issues related to their time as a student athlete. While some athletes are able to get on their parents insurance (i think the age limit is up to 24), get a job with insurance, get on their spouse's insurance, or even pay for their own insurance through the federal program, there are some that don't meet any of those situations.
Overall this is just one idea that would be part of an overall package that maybe those that are not offered a big time NIL deal or those that see the value in having an extra safety net would be willing to go for. While there are those that may want the cash now, the reality is not everyone is getting NIL money on the 100K level for example. Also, like I said NIL is becoming an arms race where you are going to have those schools and collectives that fund NIL and those schools\collectives that can't. Even in this NIL era there are many athletes that are playing without NIL deals and I believe offering something that can set HBCUs apart from others could be a benefit.
East Carolina University has an official collective, not run by the school, called The Boneyard and based on their own admission the number of ECU football players on NIL deals from them is relative small compared to the number of players on the team (hence the reason they are on local radio and other outlets asking for donations). I believe that smaller schools are always going to be behind much larger schools when it comes to NIL, so why not try something different as an addition to NIL payment to see if you keep talent or recruit talent to your school. Right now we can clearly see smaller schools can't go tik for tak with the much bigger schools and their collectives.
