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Student Health Insurance Waiver Process

Students Who Already Have Health Insurance: Insurance Waiver Process

All students taking five or more credit hours per term (1 credit hour per term for international students) are required to have comprehensive medical insurance coverage. If you have your own health insurance, including the Oregon Health Plan, then you must submit a waiver application by October 8th, 2017 at 11:59pm. If your waiver application is approved, the $875 student health insurance charge will be removed from your PSU account. 

Students who do not submit a waiver or who are not eligible for a waiver will automatically be charged $875 for the PSU Student Health Insurance Plan during fall, winter, and spring/summer terms ($631 for summer only). 

Students taking 0-4 credits: The insurance requirement does not apply to you. No further action is required.

Some credits, such as those earned during study abroad, and some continuing education credits are considered Restricted Differential Tuition credits, which means they do not count toward the 5 credits required to automatically apply the health insurance fee or student health fee. 

International Students: If you are attending PSU on a F1 or J1 visa taking 1 or more credit hours per term, you will automatically be charged $875 per term for the PSU Student Health Insurance Plan during the fall, winter, and spring/summer terms ($631 for summer only). See criteria below.


Steps to complete the waiver application:

1. Make sure you're eligible for a waiver application and that your insurance meets the criteria for the waiver.

2. Download and submit the Domestic Student Waiver Application. Domestic students are U.S. citizens and U.S. Permanent Residents (green card, asylee card, or refugee card holder - someone who is authorized to live and work in the United States on a permanent basis). 

Eligibility and Plan Criteria:

  1. Registered for 5 or more credit hours for fall term.
  2. You must have health insurance coverage. Oregon Health Plan (OHP) (including CareOregon, Family Care, and HealthShare) qualify for the waiver application. Your outside health insurance plan must meet these 3 criteria in order to receive an Approved Waiver (if you aren't sure if your plan meets this criteria, contact SHAC's Insurance Team at
    1. $2500 or less individual deductible
    2. 70% or greater Inpatient Hospitalization coverage
    3. Access to primary care services in Oregon

International Students: If you are attending PSU on an F1 or J1 visa, you may only waive out if you meet ONE of the following, AND your health insurance meets the criteria listed above.

  1. You are on a J1 visa and have adequate health insurance that was purchased before arrival into the United States.
  2. Your government or embassy pays for your tuition/fees AND provides you health insurance through a United States Insurance Company.
  3. You have United States health insurance through your U.S. employer or your spouse's/parent's U.S. employer. 

When you submit your waiver, it will be reviewed immediately. You will received confirmation of your waiver approval in your email account. If your waiver is denied, you will be able to immediately submit an appeal through the system and it will be reviewed by the insurance team. Mistakes happen often, so don't be dismayed if you need to submit an appeal. 

Waiver Deadlines by Term:

  • Fall Waiver Deadline: October 8, 2017 at 11:59pm

  • Winter Waiver Deadline: January 21, 2018 at 11:59pm

  • Spring/Summer Waiver Deadline: April 15, 2018 at 11:59pm

  • Summer Waiver Deadline: July 8, 2018 at 11:59pm

If you DO NOT have Health Insurance:

PSU requires all students taking 5 or more credit hours per term to have health insurance that meets the criteria listed above. If you do not have health insurance OR your health insurance does not meet the criteria above, you will be automatically charged and enrolled in the PSU Student Health Insurance Plan. No action is required. Go here to learn more about the PSU Student Health Insurance Plan. 

Contact the Student Health Insurance Team if you have any questions or need assistance. 

Choosing the PSU Student Health Insurance Plan

If you are taking the requisite number of credits and choose to be insured by the PSU Student Health Insurance Plan through PacificSource, you do not need to take action. No forms to fill out and nothing to sign.  Please be sure your ODIN account is updated with the correct mailing address so the insurance company can send your Medical ID card and insurance information to the correct location.

If you waived out of the PSU Student Health Insurance plan in a prior term of the 2017-18 academic year, and want back on the PSU Student Health Insurance Plan, contact the SHAC Insurance Team.

Dedicated Student Health Insurance Team

PSU has a dedicated SHAC Insurance Team available to all students Monday-Friday by appointment.  Members of the team can help you understand how to use the PSU Student Health Insurance Plan with PacificSource, explain your Student Health Insurance Plan benefits, and answer questions about your medical bills.  To make an appointment please email the SHAC Insurance Team.