Students Who Already Have Health Insurance

FALL WAIVER STATUS: Open on August 5th, 2021

Fall 2021:  All students who have their own private insurance are required to do a new waiver every academic year in the Fall.  SHAC will send email reminders to your email. The Fall waiver deadline is 10/10/21.

Summer 2021: The Summer waiver deadline was 7/4/21.  Visit the Missed Waiver Appeal information page for due dates and criteria. 

Students Taking 5+ Credits

Portland State University requires any student taking 5 or more credits per term to maintain comprehensive medical insurance coverage.  Students must do one waiver per academic year.  If a student has their own health insurance plan, including the Oregon Health Plan (OHP), they can submit an application to waive the PSU Student Health Insurance Plan.  Waiver applications must be submitted by the term’s waiver application deadline.  If a student’s waiver application is approved, the Student Health Insurance premium will be removed from their PSU account within 2-3 business days of approval.

Students are automatically charged $1009 until they waive out by the deadline.  Only one waiver is needed per academic year.

Summer 2022 Insurance: The cost for Summer Only 2022 insurance is $772 and will cover you from 6/20/22 through 9/19/22.  Students who are enrolled in the plan and charged for Spring 2022 insurance will NOT be charged the Summer Only insurance fee.  Students enrolled in the plan for Spring term 2022 receive nationwide coverage through September 19, 2022, regardless of summer classes or graduation.

Students taking 1-4 credits

The PSU health insurance requirement does not apply to students taking 1-4 credits. No further action is required.
If you drop below 5 credits within the first two weeks of the term, the insurance charge will automatically be reversed from your student account within 48 hours of the drop/waiver deadline.


Students taking Restricted Differential credits

Some credits, such as those earned during study abroad, the School of Public Health with OHSU, and some continuing education credits are considered Restricted Differential Tuition credits, meaning they do not count toward the 5 credit hours triggering the Student Health Insurance Plan requirement.

Waiver Criteria

Insurance Waiver Criteria

In order to waive the PSU Student Health Insurance Plan, students must have a private health insurance plan with the following benefits: 

  • An annual individual deductible of $2,500 or less
  • At least 70% in-patient hospitalization coverage
  • Plan must be effective on or prior to the term start date. If the plan's effective coverage date is after the term start date, a waiver cannot be approved for that term. 

OHP Students

Students covered by the Oregon Health Plan (OHP) meet the University's requirements to waive the Student Health Insurance Plan.

Unsure if your plan meets the criteria?

If you are not sure if your private insurance plan meets PSU's waiver criteria, contact the Student Insurance Team by  emailing