Student Insurance
Waiving University Health Insurance: When It Makes Sense
Waiving university SHIP can save thousands — but only if your private plan meets the school's exact criteria. Here is how to evaluate.
University Student Health Insurance Plans (SHIP) cost $2,500-$5,000+ per year. Private international student plans cost a fraction. Waiving SHIP for a private plan can save thousands — but only when done correctly.
When Waiving Makes Sense
Waiving makes financial sense when: your private plan costs less than 50% of SHIP, your private plan meets every waiver criterion, you don't expect heavy mental health utilization, you plan to travel home during breaks, you have a strong existing relationship with a provider network.
When NOT to Waive
Don't waive if: you have ongoing mental health treatment (SHIP typically has unlimited counseling), you have managed conditions requiring frequent specialist visits, your university's student health center won't accept your private plan, you find the SHIP coverage truly comprehensive for your needs.
Common Waiver Criteria
- Minimum $250K-$500K policy maximum
- Maximum $500 deductible
- Mental health coverage equivalent to physical health
- Prescription drug coverage
- Preventive care without copay
- ACA-style preventive care services
- Maternity coverage (some universities)
The Mental Health Gap
Many private student plans cover only $1,000-$5,000 in mental health per year. SHIP plans often have no limit. If you have a history of anxiety, depression, or other concerns, this gap matters.
Bottom Line
Waiver savings are real, but only if your private plan truly matches SHIP's coverage. Ombrela helps you compare side-by-side against your university's specific waiver criteria.
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