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Health Insurance requirement for international students

Health Insurance is Required
At the University of Kentucky health insurance is mandatory. All international students are required by the University of Kentucky to have health insurance. If you are on an F-1, J-1 or J-2 visa (graduate, professional or undergraduate), you will be automatically enrolled in and responsible for paying for the UK Student Health Insurance Plan when you register for classes. 

To qualify for a waiver or cancel the UK school health insurance plan, your insurance policy must meet or exceed ALL of the UK's 2014-15 Minimum Health Insurance Requirements. Waivers are NOT guaranteed and most outside insurance plans will not meet the UK minimum requirements.  Students and dependents are expected to have sufficient coverage to meet the higher costs of U.S. healthcare.

Undergraduate and Graduate international students who already have a qualifying health insurance plan and do not wish to participate in the UK Student Health Insurance Plan must complete the online waiver form every semester by the established deadline.

Waiver Deadlines:

Fall:         September 22
Spring:     February 22

If you do not complete the waiver application by the established deadline, then the insurance charge will remain on your student account for that semester. 

UPDATES FOR 2014-2015 

UK only accepts waiver applications from one of the following groups of students:

  • Student is sponsored by the United States government;
  • Student is sponsored by a foreign government recognized by the United States or certain international, government-sponsored or non-governmental organizations, and covered under a health plan that is compliant with the Affordable Care Act (ACA). If the health plan does not include medical evacuation and repatriation, a rider must be purchased providing coverage at equal limits to the UK Student Health Insurance Plan;
  • Student is enrolled in an employer-provided group health plan, as a primary member or dependent, that is compliant with the ACA. If the health plan does not include medical evacuation and repatriation, a rider must be purchased providing coverage at equal limits to the UK Student Health Insurance Plan;
  • Student is an exchange student who is provided a group health insurance policy through their home university or organization coordinating your exchange.  Note: not all home universities/organizations allow for exemptions. The U.S. Dept. of State requires that all exchange visitors and any accompanying spouse and dependent(s), may be subject to the requirements of the Affordable Care Act." [22 CFR 62.14(a)]. The UK Student Health Insurance plan meets all ACA requirements.                               

    NOTE: Travel plans cannot be accepted.

CESL Students NOTICE: UK ESL students have a new process to document outside health insurance coverage.  Do NOT use the online waiver system.  Contact for more information

Insurance Enrollment Process
When you register for classes the cost of the UK Student Insurance Plan will be added to your student bill. You do not need to fill out any forms to enroll in the student insurance plan.

How do I get a health insurance ID card? Visit to learn how to create an account and print your health insurance ID card when available.  Your health insurance ID card should be presented whenever you receive medical care.   If you need to see a doctor before you receive your insurance ID card, contact the insurance coordinator at 859.257.6608, or

Dependent Enrollment Process
Dependents on J-2 status and not enrolled in classes will need to purchase their insurance directly from the provider by enrolling online with the provider at  Proof of coverage will be required to maintain immigration status.

For dependent overage periods and costs, please see

Out-of-Pocket Costs
Remember, purchasing a health insurance plan is never a guarantee that your medical costs will be 100% covered.  However, health insurance will reduce the costs for most of your medical needs. The best way to make this, or any, coverage work for you is to be informed and proactive. Always check the covered benefits at before you see a doctor or receive medical care whenever possible. It is your responsibility to know the specifics and communicate with your medical provider.  If you have questions, contact a UK insurance coordinator at or 859.257.6608.

PLEASE NOTE: If you do not wish to purchase the student health insurance plan, the waiver must be completed each semester you are enrolled in a class.

The online waiver form will not be available until you arrive at the University of Kentucky.

Waiver instructions for students with J-1, J-2 and F-1 visa types:

  1. Make sure your current health insurance policy meets UK’s minimum health insurance requirements.
  2. Gather the needed documentation.

    •  Your UK Student ID Number (Your UK Student ID Number is available on your UK Student ID card or in myUK. Social Security Numbers and Temporary Social Security Numbers will not allow you access to the site.)
    • A scanned copy of the front and back of your insurance identification (ID) card.
    • A scanned of the insurance policy benefits summary, in English, that identifies you as a covered individual, provides the dates of your coverage, and clearly indicates that the coverage meets or exceeds the minimum requirement.  Coverage amounts must be in US dollars.
    • The proof of medical evacuation and repatriation coverage (if not included in your policy document).
  3. Access the Academic HealthPlans site and apply for a waiver.
  4. Keep a copy of the confirmation e-mail for your records.
  5. Allow 10-14 days for changes to be reflected in your myUK online statement. If the waiver is accepted, the fee will be removed.
  6. Keep proof of your insurance coverage for your records. Your waiver could be audited, and you may be asked to provide documentation of your health insurance coverage and benefits at anytime during the semester.

A waiver may be denied unless it meets ALL the minimum health insurance requirements as indicated in the plan highlights which can be found at  However, only the health insurance company can review insurance policies.

If you have enrollment or waiver questions not addressed by the insurance company's website or customer service department, a UK insurance coordinator is available to assist you. For an appointment, contact them at or 859.257.6608.

UK Student Insurance Plan Costs
Below is a breakdown of costs per period which cannot be pro-rated.

Coverage Period

Effective Dates

Cost of Coverage




Spring – includes spring and summer coverage

01/01/15 – 08/19/15


Summer – for first time international students  summer 2014

05/06/15 – 08/19/15


Please note:  Rates are subject to change effective 8/19/2015. This chart does not apply to international students and dependents enrolled in the Center for English as a Second Language (CESL). Please contact the insurance coordinator at 859-218-3208 or for a breakdown of costs.