Critics say a new Massachusetts initiative that will require colleges to track students' problems with their health insurance coverage are not enough and do not address complaints about inadequate coverage. The rules, which are set to take effect May 1, mean that colleges will report how many times insurers refuse to pay for care and the amount of profit health insurance companies make on student plans. By state law, college students must have health insurance, but most of the current policies do not meet the minimum standards set for other plans as part of the state's healthcare reform program.